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Every 35 seconds, someone chooses MORE THAN ^

Protecting customers with insurance since 2001

Cold weather alert - useful information to help protect your home

Detached large home.

Home insurance

Award-winning home insurance

Our Extra cover is rated 5 Star by Defaqto.

Detached large home.

Defaqto home insurance logo.

Defaqto 5 Star rated home insurance

We put you at the heart of everything we do, and that includes offering Defaqto 5 Star rated Extra cover.

Do you have home insurance with us?

Visit our existing customer page to find out how to make changes to your policy. You can also read our FAQs for answers to key questions.

Why choose our home insurance?

We offer 3 levels of cover for your contents and buildings, so you can choose what’s right for you. You'll also get access to a 24-hour claims helpline and the following benefits:

Theft from garages and sheds

Get up to £5,000 cover with our Standard cover. This goes up to £10,000 if you choose Extra.

Alternative accommodation cover

This is included with our buildings and contents cover. The cover limit will vary based on your chosen cover level.

Burst pipes cover

This includes escape of water or flooding caused by a burst pipe.

Insurance for renters

If you're a tenant, you can get up to £5,000 liability cover with our Essentials home insurance or up to £10,000 with our Standard cover.

Home insurance to suit your needs

Whether you’re looking to cover your whole home or just contents or buildings, we can help:

Detached house.

Buildings and contents insurance

You can buy buildings and contents together. Having one policy in place can make it easier to manage if you need to make a claim.

Detached house with garage.

Buildings only insurance

Includes your walls, windows, garages, sheds and fixtures like kitchen units. Your home is protected against damage by fire, storm, flood and other similar causes.

Plant, lamp and sound system.

Contents only insurance

Includes your moveable belongings, furniture, appliances and your carpets. Damage as a result of normal use or ageing, maintenance of your home or routine decoration isn't included. This is sometimes known as wear and tear.

Moneyfacts home insurance.

5 Star rated Extra cover for your home

Moneyfacts has awarded our highest level of cover 5 Stars for the seventh year running.

Compare our home insurance cover levels

There are 3 levels of cover. Take a look at what's included with each.

Essentials

4 Star Moneyfacts rated home cover

Standard

4 Star Moneyfacts rated home cover

Extra

5 Star Moneyfacts rated home cover

Buildings

Buildings

Contents

Contents

Alternative accommodation

Alternative accommodation

Finding a leak (trace and access)

Finding a leak (trace and access)

Up to £1,000 cover for the cost of locating and fixing a hidden leak within your home

Up to £2,500 cover for the cost of locating and fixing a hidden leak within your home

Up to £5,000 cover for the cost of locating and fixing a hidden leak within your home

Loss or theft of keys

Loss or theft of keys

Up to £1,000

Up to £1,000

Up to £1,000

Fridge and freezer contents

Fridge and freezer contents

Up to £500

Up to £1,000

Up to £1,000

Bicycle cover away from home

Bicycle cover away from home

We'll cover bikes away from home if you add personal possessions. You can choose a total cover amount of up to £15,000 for items you don't specify to us. You'll need to tell us about any bikes worth over £2,000

We'll cover bikes away from home if you add personal possessions. You can choose a total cover amount of up to £15,000 for items you don't specify to us. You'll need to tell us about any bikes worth over £2,000

We'll cover bikes away from home if you add personal possessions. You can choose a total cover amount of up to £15,000 for items you don't specify to us. You'll need to tell us about any bikes worth over £2,000

Personal liability cover

Personal liability cover

Up to £2 million

Up to £2 million

Up to £2 million

Burst pipes

Burst pipes

Special event cover

Special event cover

Up to £10,000

Up to £10,000

Loss of domestic heating oil or metered water

Loss of domestic heating oil or metered water

Up to £3,000

Up to £5,000

Theft from outbuildings

Theft from outbuildings

Up to £5,000

Up to £10,000

Student belongings cover

Student belongings cover

Up to £5,000 cover for student's contents at college or university

Up to £10,000 cover for student's contents at college or university

Money in the home

Money in the home

Up to £500

Up to £1,000

Matching items cover

Matching items cover

24/7 home emergency cover*

24/7 home emergency cover*

Optional

Up to £1,000 per claim

Optional

Up to £1,000 per claim

Up to £1,000 per claim

Optional

Optional

Optional

Up to £15,000 cover for unspecified items in and outside the home

Optional

Up to £15,000 cover for unspecified items in and outside the home

Optional

Up to £15,000 cover for unspecified items in and outside the home

Optional

Up to £100,000 per claim

Optional

Up to £100,000 per claim

Up to £100,000 per claim

*Must use a MORE THAN authorised tradesperson.

Start a home insurance quote

What's not covered by our home insurance

  • Damage which occurs over time or breakdown of household appliances. We do not cover leaking guttering, loose roof tiles from bad weather or old draughty windows

Full exclusions can be found in our policy wording.

Additional cover to go with your home insurance

Choose from our handy optional add-ons as part of your policy with us, for extra peace of mind:

Getting a quote is simple

We'll just need to know about:

Your personal information

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

Claims

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

Property details

Includes the year the property was built. Rebuilding costs, homeownership status and any flooding history also comes under property details.

Your belongings

Please tell us about all of your belongings.

Start a home insurance quote

Policy documents