Home insurance

Home insurance covers your home and belongings against unexpected events. From fires to storms. So you have extra peace of mind.

You can choose insurance for buildings only, contents only or both.

Our home insurance also covers repair or replacement costs if your contents are damaged or stolen. Or the structure of your home is damaged by an insured event.

It covers your buildings, contents or both against unintentional damage at home.

Buildings accidental damage insurance covers things like your kitchen worktop or bathroom fittings. Contents accidental damage covers contents within your home. This may include televisions, DVD players and furniture.

You can choose to add this cover with our Essentials or Standard home insurance. Or it comes as standard with Extra.

Exclusions apply, see our policy wording for more information.

We'll cover the repair or replacement to fences from vandalism and fire. Storm damage, flooding or general wear and the aging process won't be covered.

See policy documents for more information.

We consider a number of factors to work out the cost of your home insurance.

These include information about your property. Like address, size, age and location. Your personal circumstances are also taken into account. From lifestyle factors and the number of adults living at home, to any previous claims.

Policy number starts MTHP: Your bicycles are covered if stolen from your home or outbuilding, such as shed or garage. This cover is up to the contents limit shown on your policy. However, if you have a MORE THAN Essentials policy, you won't be covered for theft from your outbuildings or garden. Your bicycles are covered out of the home if you have personal possessions cover. If you’d like to add this cover to your policy, please visit your account.

Policy number starts HI: Your bicycles are covered if stolen from your home or outbuilding, such as shed or garage. This cover is up to the contents limit shown in your policy. Your bicycles are covered out of the home if you added pedal cycle (bicycle) cover to your policy.

There are limits to the amount we cover for each item (called a single article limit). However, you can specify bicycles on your policy that are worth more than this limit.

Yes. These types of items are covered within the home, up to the contents limit stated in your policy. You can find your contents limit in your policy documents. 

To cover these items when you take them out of the home, you'll need to have personal possessions cover.  

If you have personal possessions cover, you’ll be covered up to the amount shown in your policy schedule.   

There are limits to the amount we cover for each item (called a single article limit). You can specify items on your policy that are valued above this limit.