Every 35 seconds, someone chooses MORE THAN ^

Every 35 seconds, someone chooses MORE THAN ^

Protecting customers with insurance since 2001

Detached large home.

Home insurance

5 Star Moneyfacts rated cover to protect your buildings and contents

Detached large home.

Moneyfacts 5 star rated home insurance from 2017 to 2023 logo.

We get top marks

We put you at the heart of everything we do, and that includes offering 5 star cover. In fact, Moneyfacts have awarded our Upgraded buildings and Upgraded contents cover their highest rating for 7 years running.

Do you have a policy with us?

Make changes and view your home insurance documents on our existing customers page.

Why choose our home insurance?

The cheapest cover 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.

Alternative accommodation cover

Up to £45,000 alternative accommodation cover (or up to £115,000 for Upgraded 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.

Home insurance to suit your needs

Detached house.

Buildings and contents insurance

Cover for your home and its contents in one policy. Buying buildings and contents insurance together may be more cost-effective and easier to manage when making a claim, compared to buying the two types of cover separately.

Detached house with garage.

Buildings only insurance

Includes your walls, roof, windows and anything else that forms part of the structure of your home, like fixtures and fittings including kitchens and bathrooms. Our buildings insurance also covers garages, outbuildings, driveways and patios.

Plant, lamp and sound system.

Contents only insurance

Contents are 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 an incident covered by your policy, such as flood or fire.

Compare our home insurance cover levels

You can select Upgraded buildings and/or Upgraded contents cover when you get your home insurance quote.

Primary

buildings and contents cover

Upgraded

buildings and contents cover

Buildings

Buildings

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

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

Contents

Contents

Up to £100,000 to repair or replace your contents

Up to £100,000 to repair or replace your contents

24/7 Home Emergency Assistance*

24/7 Home Emergency Assistance*

Up to £200

Up to £200

Alternative accommodation

Alternative accommodation

Up to £45,000

Up to £115,000

Locks and keys

Locks and keys

Up to £1,000

Up to £1,000

Trace and access (fix damage caused by a leak)

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

Freezer food

Freezer food

Up to £500

Up to £500

Working from home (clerical)

Working from home (clerical)

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

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

Special event cover

Special event cover

We’ll increase your contents cover by 10% one 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

Boilers

We don't cover boiler repairs or replacements as standard

We don't cover boiler repairs or replacements as standard

*Must use a MORE THAN authorised tradesperson. Home emergency assistance is not available for the first 7 days after the policy is taken out.

Start a home insurance quote

What's not covered by our home insurance

  • Normal use or ageing – 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
  • Storms and floods - Damage to fences, hedges or gates caused by storms or floods
  • Garages and outbuildings - Theft from your garage or outbuildings over £3,000
  • Matching sets - Sofas and kitchen units. If you damaged a kitchen unit, we'll not replace your whole kitchen

Full exclusions can be found in our policy wording.

Additional cover

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

Getting a quote couldn’t be easier

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 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.

Start a home insurance quote

Your policy documents

If you first got a quote for or bought your policy after 2 July 2017.