Why choose our home insurance cover?

Our home insurance includes all these benefits as standard:
Up to £200 home emergency assistance

Must use our authorised tradespeople.

Buildings and contents cover

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

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.

Alternative accommodation cover

Up to £45,000 alternative accommodation cover for buildings and contents (up to £30,000 on buildings cover and up to £15,000 on contents cover). This is assistance for you, your family and pets if your home is damaged and can’t be lived in due to an insured event.

Access to MORE THAN REWARDS

Use your cash rewards to help pay towards your next renewal.

UK-based call centres

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

We get top marks

We put you at the heart of everything we do and for 4 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.

What's included in your home insurance

Learn more about our cover and discover what’s included with our home insurance:

What's included as standard

  • Up to £100,000 cover for your contents
  •  

     

  • Up to £1,000,000 buildings cover
  • Locks and keys up to £1,000
  • Home emergency assistance up to £200
  • Must use a MORE THAN authorised tradesperson

  • Alternative accommodation up to £45,000

Optional add-ons and upgrades

  • Accidental damage*
  • Optional upgrade. 

    *£250 compulsory excess applies to accidental damage claim

     

  • Personal possessions cover
  • Optional upgrade

  • Bicycle cover
  • Optional upgrade

  • Home emergency cover up to £1,000
  • Optional add-on

     

  • Legal Services cover up to £50,000
  • Optional add-on

What's included as standard

  • Up to £1,000,000 buildings cover
  •  

     

  • Home emergency assistance up to £200
  • Must use a MORE THAN authorised tradesperson

  • Alternative accommodation up to £30,000
  • Locks and keys up to £1,000

Optional add-ons and upgrades

  • Accidental damage*
  • Optional upgrade

    *£250 compulsory excess applies to accidental damage claim

     

  • Legal Services cover up to £50,000
  • Optional add-on

     

  • Home emergency cover up to £1,000
  • Optional add-on

  • Trace and access cover
  • Optional upgrade

  • Alternative accommodation
  • Optional upgrade

What's included as standard

  • Up to £100,000 cover for your contents
  •  

     

  • Home emergency assistance up to £200*
  • Must use a MORE THAN authorised tradesperson

  • Alternative accommodation up to £15,000
  • Locks and keys up to £1,000

Optional add-ons and upgrades

  • Accidental damage*
  • Optional upgrade

    *£250 compulsory excess applies to accidental damage claim

     

  • Personal possessions
  • Optional upgrade

     

  • Bicycle cover
  • Optional upgrade

  • Home emergency cover up to £1,000
  • Optional add-on

  • Legal Services cover up to £50,000
  • Optional add-on

  • Contents temporarily away from home (up to £11,250)
  • Optional upgrade

Optional extras

For extra peace of mind, choose from our handy optional extras:
Accidental damage insurance

Helps with the repairs and replacing items if you accidentally damage your contents or structure of your home.

A £250 compulsory excess applies to accidental damage claims.

Personal possessions

Personal belongings that you take out of your home.

Bicycle cover

Bike cover away from your home.

Legal Services

Help and advice with legal matters.

Upgraded buildings

Additional buildings cover for your home.

Upgraded contents

Extra cover for your contents, including your garden tools.

Personal money

Covers your cash when out and about.

24/7 home emergency as standard

Home emergency assistance gives you peace of mind if something goes wrong with your home.

Get all this included:

  • Up to £200 home emergency cover
  • 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.

Must use a MORE THAN authorised tradesperson.

Why not upgrade to home emergency cover

Upgrade to our home emergency cover and get these extra benefits:

  • Up to £1,000 home emergency cover, ideal for those more expensive emergency repairs
  • Repair problems with your boiler, heating or hot water (boiler age and servicing restrictions apply)
  • We give £500 towards a new boiler (terms apply)
  • Removal of certain pests.

Must use a MORE THAN authorised tradesperson.

Find out more

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. We cover your home and everything 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.

Rewards to help pay towards your next renewal

Purchase home insurance today and you could join our exciting loyalty programme MORE THAN REWARDS.

Earn cash rewards on everyday spending with brands you love - there’s no limit to how much you could save towards your next renewal!

Find out more

Frequently asked questions

Still got a question, here's a list of our customers' most asked questions.

Is it illegal not to have home insurance?

No, it is not illegal. However, your mortgage provider, landlord or letting agent may require you to take out home insurance either buildings or contents to cover your home.

 

What does home contents insurance cover?

Contents are the items in your home that could be taken with you if you moved house including furniture, carpets, electrical equipment and clothing. 

New for old replacements

Contents insurance covers items in your home to replace as new if they cannot be repaired with an item of similar make or model.

Causes of damage to your home

Contents insurance also covers damage from:

  • Fire
  • Lightning
  • Storm
  • Earthquake
  • Subsidence
  • Theft
  • Escape of water.

You can add cover to include accidental damage cover. This can include damage to TVs and computers, carpets and furniture caused by slips, knocking things over, or even birds coming down the chimney and covering your home in soot!

We do not cover general wear or aging of an item, such as fading curtains or fabric and if your television stops working.

High-risk items

We include cover for high risk items such as jewellery as standard from £7,500. If your high risk item would cost more than £1,000 to replace as new, you will need to list these out individually. You may have to supply a valuation for your valuables over £1,000.

High risk items are valuables in the home that are considered more likely to be stolen in the event of a burglary.

High risk items include:

> Televisions, personal computers

> Binoculars and photographic equipment

> Audio and video equipment

> Jewellery and articles of precious metal, clocks and watches

> Furs

> Pictures, works of art, curios and collections.

Our high risk cover will insure your valuables up to £7,500, as standard. You can increase your cover up to £30,000.

What else can you cover?

We offer the following optional extras to choose from:

We offer upgraded contents insurance, this provides additional cover for special events, cover for items temporarily removed from your home and against loss of metered water or oil.

Our upgraded buildings cover gives additional benefits with up to £5,000 to help find a water or oil leak and repair any damage caused when fixing the leak (trace and access cover) and up to £100,000 alternative accommodation cover.

Exclusions apply, see our policy wording for more information.

 

What is accidental damage cover and do I need it?

Buildings accidental damage provides cover for damage to:

  • Kitchen worktops and bathroom fittings caused by DIY
  • Cables and underground tanks
  • Windows 

Contents accidental damage covers against accidental damage to contents within your home, such as spilling a glass of wine. An Accidental Damage Compulsory Excess is £250 for claims.

You may be covered for damage to:

  • Televisions
  • Satellite receivers
  • DVD players, tablet or laptops
  • Audio and computer equipment, including smart speakers
  • Carpets and furniture

Exclusions apply, see our policy wording for more information.

To add this cover to your policy please contact us or add it to your home insurance quote.

 

Will home insurance pay for a new fence?

We will cover the repair or replacement to fences from vandalism and fire, but will not cover storm damage, flooding or general wear and the aging process.

See policy documents for more information.

 

Read more FAQs 

News and guides

Helpful advice and information about owning and maintaining a home.
What is home emergency cover?

Find out all about our different home emergency insurance cover options.

Protecting your home from storms

Read on to find out our top tips for preparing for a storm.

A guide to prepare your home for winter

Prepare for the cold weather. This useful guide helps make sure your home can handle the falling temperatures and storms.

How to check your home for damp

We’ve put together some information on how to check for the early signs of damp around your house.

Jargon buster

Make sense of the jargon with this useful guide.
Jargon Explanation
New for old

This cover replaces an item that's been stolen or damaged beyond repair with a like for like object. For example, if your television is stolen we'll replace it with a same make or model if possible, or a similar make or model if the item is no longer available. Exclusions apply. See the policy wording for more information.

Trace and access This covers the cost of removing and replacing part of the building to repair a heating or water system after a water or oil leak, up to £5,000, if you purchase our upgraded buildings cover. For example, you have a burst water pipe behind a wall or underneath your flooring, and we need access to fix the problem. We will repair the floor or wall where we accessed the leak after it has been fixed.
Escape of water This is a water leak, for example if a water pipe bursts.
High risk items insurance

A high risk or value item is any possession, set or collection that is more likely to be taken if your home is broken into. We cover up to £1,000 per item and up to a total of £7,500, which can be increased to £30,000 if needed.

High risk items include:

  • Jewellery, watches or precious metals
  • Personal computers, laptops and tablets
  • Pictures, paintings, books or other works of art
  • Furs
  • Antiques
  • Fine wines
  • Stamps or coins
Personal possessions insurance This covers your everyday items that you take with you and covers for loss in and out of the home, such as a handbag or mobile phone. This cover is also known as personal belongings or personal item insurance.

 

BUILD: MASTER