Home insurance
On average, our buildings and contents insurance customers pay £168 a year*
- Up to £200 Home Emergency Assistance as standard**
- 7.9 out of 10 customers renew with us***
- 24-hour Home Emergency helpline
What's included in your home insurance
Learn more about our cover and discover what’s included with our home insurance:
Home insurance cover levels
Buildings and contents only
Buildings cover only
Contents cover only
Up to £100,000 cover for your contents
Up to £1 million buildings cover
Up to £1 million buildings cover
Must use a MORE THAN authorised tradesperson
Must use a MORE THAN authorised tradesperson
Locks and keys up to £1,000
Must use a MORE THAN authorised tradesperson
*£250 compulsory excess applies to accidental damage claim
*£250 compulsory excess applies to accidental damage claim
*£250 compulsory excess applies to accidental damage claim
Optional extras
For extra peace of mind, choose from our handy optional extras:
Accidental damage insurance
Helps with the repairs and replacing items if you accidentally damage your contents or structure of your home.
A £250 compulsory excess applies to accidental damage claims.
Start a home insurance quote
We get top marks
What is home insurance?
Home insurance gives you peace of mind if the unexpected should happen. There’s no legal requirement to have home insurance, but your mortgage provider may make it a condition of your loan. We cover your home and everything inside if it is damaged by an insured event, such as fire or storm.
We understand that your home holds some of your most cherished possessions: keeping you warm, safe and full of memories. Whether you’re looking for house insurance or insuring your flat; we have the right cover for you.
Our 3 types of cover
Choose cover that suits your needs, from buildings and contents, buildings only or contents only:
Buildings and Contents insurance
Up to £1 million buildings and £100,000 contents cover
Covers your home and your belongings on one policy. Buying buildings and contents together is often cheaper and is easier to manage when making a claim compared to buying separately.
Buildings insurance
Up to £1 million buildings cover as standard
Includes your walls, roof, windows, and anything else that forms part of the structure of your home, such as fixtures and fittings like your kitchen and bathroom. We provide cover for garages, outbuildings and other structures, such as drives and patios.
Contents cover
Up to £100,000 contents cover as standard
Contents are the items in your home that could be taken with you if you moved house including furniture, carpets, laptops and clothing. We'll pay to repair or replace the contents of your home if they're lost, stolen, or damaged by something covered by your policy, for example, a flood or fire.
24/7 home emergency as standard
Home emergency assistance gives you peace of mind if something goes wrong with your home.
Get all this included:
- Up to £200 home emergency cover
- 24-hour home emergency helpline, if you need help in a hurry
- Repair plumbing and drainage issues, electrical failures, roof damage and problems with door and window locks.
Must use a More Than authorised tradesperson. Home emergency assistance is not available for the first 7 days the policy is taken out.
Why not upgrade to home emergency cover
Upgrade to our home emergency cover and get these extra benefits:
- Up to £1,000 home emergency cover, ideal for those more expensive emergency repairs
- Repair problems with your boiler, heating or hot water (boiler age and servicing restrictions apply)
- We give £500 towards a new boiler (terms apply)
- Removal of certain pests.
Must use a More Than authorised tradesperson. Home emergency assistance is not available for the first 7 days the policy is taken out.
Why choose our home insurance cover?
Our home insurance includes all these benefits as standard:
Up to £200 home emergency assistance
Buildings and contents cover
Up to £1 million buildings and £100k contents cover as standard.
Replace your old items with new
Alternative accommodation cover
UK-based call centres
Start a home insurance quote
Rewards to help pay towards your next renewal
Purchase home insurance today and you could join our exciting loyalty programme MORE THAN REWARDS.
Earn cash rewards on everyday spending with brands you love - there’s no limit to how much you could save towards your next renewal!
Jargon buster
Make sense of the jargon with this useful guide.
New for old
Trace and access
Escape of water
High risk items insurance
A high risk or value item is any possession, set or collection that is more likely to be taken if your home is broken into. We cover up to £1,000 per item and up to a total of £7,500, which can be increased to £30,000 if needed.
High risk items include:
- Jewellery, watches or precious metals
- Personal computers, laptops and tablets
- Pictures, paintings, books or other works of art
- Furs
- Antiques
- Fine wines
- Stamps or coins.
Personal possessions insurance
Useful guides
Important information
* Average customers pay
Excludes optional extras. Based on new customers who purchased upgraded or standard buildings and contents cover. MORE THAN data January to June 2020.
** Home emergency assistance
Must use a MORE THAN authorised tradesperson. Home emergency assistance is not available for the first 7 days the policy is taken out.
*** Customers who renew with us
Renewal data based on MORE THAN data January to July 2020