What’s included in my home insurance policy?

Find out what your home insurance covers.

Included as standard

Your cover will depend on the product you have purchased, so it's a good idea to check your policy schedule.

Upgrading your cover

When you purchase our upgraded cover on buildings and contents insurance you'll benefit from protection that's been awarded 5 stars by Defaqto, an independent researcher.

Buildings insurance

As standard our buildings insurance includes:

  • £1,000,000 buildings cover
  • £30,000 alternative accommodation for you and your pets
  • £200 home emergency assistance
  • £1,000,000 owners liability cover
  • £1,000 locks and keys cover

Upgraded buildings cover

When you purchase our buildings insurance upgrade cover, in addition to the standard primary buildings cover above, you'll also benefit from:

  • £5,000 trace and access cover
  • Increased alternative accommodation cover up to £100,000

Contents insurance

As standard our contents insurance includes:

  • £100,000 contents cover
  • £15,000 alternative accommodation for you and your pets
  • New for old replacements
  • £7,500 business equipment cover
  • £1,000 locks and keys cover
  • £500 money in the home
  • £500 freezer food cover
  • £2,500 deeds and documents cover
  • £2,500 data downloads cover
  • £1,000,000 personal and occupiers liability cover
  • £10,000,000 employers liability cover

Upgraded contents cover

Our upgraded contents cover provides the following, in addition to the standard cover above:

Additional cover options

There are also some great optional extras and add-ons for you to choose from.

  • £2,000 contents in the open
  • £11,250 cover for contents temporarily removed from the home
  • £2,000 garden cover for trees and shrubs
  • 10% contents cover increase for special events such as Christmas and weddings
  • £15,000 tenants liability cover
  • Tenants improvements cover
  • £2,000 cover for accidental loss of metered water or oil

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Contact Us

Phone
Give us a call

0330 102 3627​

If you need help securing your home, call our Home Emergency number: 0800 300 684

Please note that charges may apply if you call from your mobile phone. Calls may be recorded and monitored.

Report a claim opening hours

Monday to Friday 8am to 8pm
Saturday 9am to 5pm
Sunday 9am to 4pm

BUILD: MASTER