Home insurance
On average, our buildings and contents insurance customers pay £214 a year*
- Up to £200 home emergency assistance as standard**
- 7.9 out of 10 customers renew with us***
- 24-hour home emergency helpline
Do you have a policy with us?
Make changes and view your home insurance documents on our existing customers page.
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 MORE THAN buildings and contents home insurance
Home insurance cover levels
Primary buildings and contents cover
Upgraded buildings and contents 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 repair or replace your home contents
Contents
- Up to £100,000 to repair or replace your home contents
24/7 home emergency assistance**
- Up to £200
- 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 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's 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 Primary 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.
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:
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.
We get top marks
Start a home insurance quote
Your policy documents
If you first got a quote for or bought your policy after 2 July 2017.
Useful guides
Important information
* On average customers pay message
Excludes optional extras. Based on new customers who purchased Upgraded or Primary buildings and contents cover. MORE THAN data from 1 January to 28 February 2022.
** 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 December 2020 to December 2021.