Home insurance

Home insurance covers your home and personal possessions - giving you peace of mind if the unexpected should happen, such as fire or storm.

Whether you’re looking for house insurance or insuring your flat, we may have the right cover for you.

Contents are the items in your home that could be taken with you if you moved house including furniture, carpets, electrical equipment and clothing.

New for old replacements

Contents insurance covers items in your home to replace as new if they cannot be repaired with an item of similar make or model.

Causes of damage to your home

Contents insurance also covers damage from:

• Fire
• Lightning
• Storm
• Earthquake
• Subsidence
• Theft
• Escape of water

You can add cover to include accidental damage cover. This can include damage to TVs and computers, carpets and furniture caused by slips, knocking things over, or even birds coming down the chimney and covering your home in soot!

We do not cover general wear or aging of an item, such as fading curtains or fabric and if your television stops working.

High-risk items

We include cover for high risk items such as jewellery as standard (up to £7,500). If your high risk item would cost more than £1,000 to replace as new, you will need to list these out individually. You may have to supply a valuation for your valuables over £1,000.

High risk items are valuables in the home that are considered more likely to be stolen in the event of a burglary.

High risk items include:

• Televisions, personal computers
• Binoculars and photographic equipment
• Audio and video equipment
• Jewellery and articles of precious metal, clocks and watches
• Furs
• Pictures, works of art, curios and collections

Our high risk cover will insure your valuables up to £7,500, as standard. You can increase your cover up to £30,000.

What else can you cover?

We offer the following optional extras to choose from:

• Everyday items that you take out of your home (personal possessions cover) for items such as your valuables, personal effects and clothing
• Legal services
• Home emergency cover (not available for tenants and exclusions apply, see our policy wording for more information.)
• Bicycle or pedal cycles insurance
• Personal money cover
• Upgrading your cover (buildings and contents)

We offer upgraded contents insurance, this provides additional cover for special events, cover for items temporarily removed from your home and against loss of metered water or oil.

Our upgraded buildings cover gives additional benefits with up to £5,000 to help find a water or oil leak and repair any damage caused when fixing the leak (trace and access cover) and up to £100,000 alternative accommodation cover.

Exclusions apply, see our policy wording for more information.

Buildings accidental damage provides cover for damage to:

• Kitchen worktops and bathroom fittings caused by DIY
• Cables and underground tanks
• Windows

Contents accidental damage covers against accidental damage to contents within your home, such as spilling a glass of wine. An Accidental Damage Compulsory Excess is £250 for claims.

You may be covered for damage to:

• Televisions
• Satellite receivers
• DVD players, tablet or laptops
• Audio and computer equipment, including smart speakers
• Carpets and furniture

Exclusions apply, see our policy wording for more information.

To add this cover to your policy please contact us or add it to your home insurance quote.

We will cover the repair or replacement to fences from vandalism and fire, but will not cover storm damage, flooding or general wear and the aging process.

See policy documents for more information.

We consider factors around your property, like:

• Where you live
• Size of the property
• Age
• What it is built of
• Location - is it close to water

And your personal circumstances:

• Your lifestyle - age, number of adults, do you have children
• How long you are away from your home
• Value of your contents
• Previous claims - not telling us could invalidate your policy

For more information, read our guide on what affects the cost of your home insurance.