Home insurance
5 Star Moneyfacts rated cover to protect your buildings and contents

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
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.
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.
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.
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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.