We sell a policy every two minutes ^

We sell a policy every two minutes ^

Trustpilot rating great.

Protecting customers with insurance since 2001

Updates: Coronavirus help and support and changes to our business products.

Home insurance

On average, our buildings and contents insurance customers pay £177 a year*

  • Up to £200 Home Emergency Assistance as standard**
  • 7 out of 10 customers renew with us***
  • 24-hour Home Emergency helpline 

What's included with our MORE THAN home insurance

The cheapest cover it is not always the best. Our cover includes all these benefits as standard:

Buildings and contents cover

Up to £1 million buildings and £100,000 contents cover as standard.

24/7 legal advice helpline

Help is at the end of the telephone line for any legal advice matters.

Replace your old items with new

We’ll replace your old items with new ones if they are lost or damaged and can’t be repaired. Terms and conditions apply.

Up to £200 home emergency assistance**

Up to £200 home emergency assistance** cover and a 24-hour home emergency helpline if you need help in a hurry. 

Alternative accommodation cover

Up to £45,000 alternative accommodation cover if your home is uninhabitable due to damage covered by your policy.

Working from home

Up to £7,500 cover for computers, laptops and office equipment included as standard.

UK-based call centres

Our friendly sales, service and claims teams are always happy to assist you.

Our MORE THAN buildings and contents home insurance

Home insurance cover levels

Standard buildings and contents (primary cover)

What's included as standard

Upgraded buildings and contents cover

Learn what extra cover you get with our upgraded cover

Buildings

  • Up to £1 million buildings cover to repair or rebuild your home

Buildings

  • Up to £1 million buildings cover to repair or rebuild your home

Contents

  • Up to £100,000 to replace or replace your home contents

Contents

  • Up to £100,000 to replace or replace your home contents

24/7 home emergency assistance**

  • Up to £200
24/7 home emergency assistance**
  • Up to £200

Alternative accommodation

  • Up to £45,000

Alternative accommodation

  • Up to £115,000

Locks and keys

  • Up to £1,000

Locks and keys

  • Up to £1,000

Freezer food

  • Up to £500 

Freezer food

  • Up to £500

Working from home (clerical)

  • Up to £7,500 computer and office equipment. Ideal when working from home or running a business from home

Working from home (clerical)

  • Up to £7,500 computer and office equipment. Ideal when working from home or running a business from home

Water leaks

  • Water and oil leaks covered as standard
Water leaks
  • Water and oil leaks covered as standard

Trace and access

  • Help to cover the cost of removing and replacing part of the building to repair a heating or water system due to a leak. For example, lifting floorboards to find and fix the leak and replace any damaged ones 

Trace and access (fix damage caused by a leak)

  • Up to £5,000 to cover the cost of removing and replacing part of the building to repair a heating or water system due to a leak. For example, lifting floorboards to find and fix the leak and replace any damaged ones

Special event cover


    Special event

    • We’ll increase your contents cover by 10% 1 month before and after a special event, such as Christmas, birthdays and an anniversary

    Garden cover


    Garden cover

    • Up to £2,000 garden contents cover, including trees, plants, hedges & shrubs
    • And, up to £2,000 for garden furniture left out.

    Student cover

    Student cover

    • Up to £11,250 for your children contents when they go to college or university

    Boilers

    • We do not cover boiler repairs or replacements as standard.

    Boilers

    • We do not cover boiler repairs or replacements as standard.

    How do I get upgraded cover?

    Add upgraded buildings and/or contents cover in the optional add-on section when getting a home quote.

    Optional add-ons

    For extra peace of mind, choose from our handy optional add-ons:

    What's not covered

    • Wear and tear

    Our home insurance doesn’t cover gradual wear and tear or breakdown of household appliances. This doesn't just apply to your valuables. We do not cover leaking guttering, loose roof tiles from bad weather or old draughty windows.

    • Storms and floods

    Damage to fences, hedges or gates caused by storms or floods is not included.

    • Garages and outbuildings

    Theft from your garage or outbuildings over £3,000.

    • Matching sets (sofas and kitchen units)

    We do not include this in our standard and upgraded cover. If you damaged a kitchen unit we will not replace your whole kitchen.

    Full exclusions can be found in our policy wording.


    Lady on telephone about broken window.

    24/7 home emergency assistance as standard

    24/7 home emergency assistance** gives you peace of mind if something goes wrong with your home.

    Get all this included:

    • Up to £200 home emergency assistance
    • 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.

    Read our page explaining what is home emergency assistance and what it covers.

    Start a home insurance quote

    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 to have buildings insurance. We cover your home and belongings 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.

    How we calculate your home insurance cost

    Understand what affects your home insurance price:

    Small detached house.

    Your property

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

    About you and your family

    • 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.

    Getting a quote couldn’t be easier

    We just need to know about:

    Your personal information

    We’ll need your personal details, such as your name, date of birth and marital status.

    Claims

    We need to know how many claims you have made in the last 5 years and information about each claim.

    Property details

    We'll need to know details like the year the property was built, rebuilding costs, homeownership status and if it has ever suffered from flooding.

    Your belongings

    You’ll need to tell us about your belongings. This should include all items over £1,000, bicycles, items you want to take out of the home and if you want accidental damage cover.

    Moneyfacts logo home insurance awarded 5 stars from 2017 to 2021.

    We get top marks

    We put you at the heart of everything we do and for 5 years, we’ve been awarded a Moneyfacts 5 Star rated insurer for our upgraded buildings and contents home insurance, one of the highest ratings in the market.

    Start a home insurance quote

    Important information

    Average customers pay

    Excludes optional extras. Based on new customers who purchased upgraded or primary (standard) buildings and contents cover. MORE THAN data from 1 July to 31 December 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 from January to October 2020