
5 Star rated Extra cover for your home
Moneyfacts has awarded our highest level of cover for the seventh year running.
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. This goes up to £10,000 with our Standard cover and £15,000 if you choose Extra.
Home insurance to suit your needs
Whether you’re looking to cover your whole home or just contents or buildings, we can help:
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.
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.
Contents only insurance
Includes your moveable belongings, furniture, appliances and your carpets. Normal use or ageing of goods coming to the end of their life aren't included.

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.
Compare our home insurance cover levels
There are 3 levels of cover. Take a look at what's included with each.
Essentials
3 Star Defaqto rated home cover
Standard
4 Star Defaqto rated home cover
Extra
5 Star Defaqto 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 cover. You can choose a total cover amount of up to £15,000 for unspecified items. 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 cover. You can choose a total cover amount of up to £15,000 for unspecified items. 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 cover. You can choose a total cover amount of up to £15,000 for unspecified items. 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 for unspecified items
Optional
Up to £15,000 for unspecified items
Optional
Up to £15,000 for unspecified items
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.