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24/7 home emergency assistance as standard

Prepare for the unexpected with up to £200 home emergency assistance as standard. If you experience an emergency, such as a burst pipe, which leaves your home unsafe or could cause further damage to your home or it's contents, call us and we'll aim to get an expert to you within 4 hours or less. MORE THAN authorised tradesperson arrived within 4 hours of customer calls in 80% of cases. Find out more about our home emergency cover levels. 

MORE THAN data October 18 - March 19. 

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Why choose our home insurance cover?

You'll get the following benefits as standard:
Cover for your home

Your home is your biggest investment, so you'll get up to £1 million buildings cover as standard. Terms and conditions apply.

Belongings in your home

You'll get up to £100,000 contents cover for the things inside your home (limits apply).

Alternative accommodation

If after a flood or fire your home is uninhabitable, we'll find you, your family and pets a place to stay while repair works are carried out (cover limits apply).

UK-based call centres

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

5* Moneyfacts Upgraded Cover

5 star Moneyfacts rated cover

You'll get up to £1 million cover for your buildings and up to £100,000 for your contents with our standard cover levels.

However, if you choose to buy our upgraded buildings and contents cover, you’ll benefit from a 5 star Moneyfacts rated policies - one of the highest quality ratings in the insurance market. 

MORE THAN REWARDS

Rewards to help towards your 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!

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What is included in my home insurance cover?

Whether you need cover for the fabric of your home, the things inside it or both. Find out more about the levels of cover available below:

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 £30,000

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
  • 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
  • Optional add-on

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

  • Trace and access cover
  • Optional upgrade

  • Alternative accomodation
  • 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
  • Optional add-on

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

Ready to insure your home with us?

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But what is home insurance?

Why do I need it?
If your house was flooded and your belongings ruined or there was a fire in your flat, would you have the money ready to make the necessary repairs and return your home to normal?

 

That’s where home insurance comes in. Having home insurance means you won’t have to foot the bill should the unexpected happen, be that a fire or a burglary. Although it’s not a legal requirement to have home insurance, it may be a requirement of your mortgage or you might want to consider the peace of mind having a policy can bring you.

Home insurance is typically split into two parts: buildings and contents insurance. Buildings insurance covers you against damage to your home itself, for example the roof, whereas contents insurance covers the things inside it (anything that would fall out if you tipped it upside down - subject to policy exclusions). But how do you decide which is the best home insurance policy for you? You can buy both buildings and contents insurance in a combined policy or separately, depending on your needs.

Please note: if you are renting then you may not need to insure the building as this is usually the responsibility of your landlord, unless the tenancy agreement with your landlord requires you to insure the property.

 

Buildings insurance

What does buildings insurance cover?

You'll be covered for rebuild costs of up to £1 million. If after a flood or fire your home becomes uninhabitable, we'll find you, your family and pets alternative accomodation, while repair works are carried out (cover limits apply). Plus we cover up to £200 for certain home emergencies and you can upgrade this to £1,000 worth if needed. Must use an authorised M> trades person. Terms and conditions apply. Find out more about our buildings insurance.

Ready to get a buildings insurance quote?
Home contents insurance

What does contents insurance cover?

House contents insurance will cover your belongings up to £100k, new for old cover (irreparable items such as carpets and furniture replaced with new ones - terms and conditions apply), £7,500 for high value and high risk items, theft from outbuildings, £500 freezer food cover and £1,000 locks and keys cover. Upgrade to get £11,250 for items moved temporarily away from home and £2,000 for contents in the open. Terms and conditions apply. Find out more about our contents insurance.

Ready to get a contents insurance quote?
Ready to insure your home with us?

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Need additional home cover?

Find out more about the options available to you below:
You can choose cover to suit your needs by adding additional cover options to your policy. Accidental damage cover and home emergency cover are just two of our most popular options, ensuring your home is covered should the unexpected happen:
Home emergency cover

Home Emergency Cover

Upgrade your policy from the standard £200 Home Emergency Assistance, to cover you up to £1,000. Should the worst happen, we’ll send one of our recommended tradespeople to come to your home and make it safe and secure. This upgraded emergency cover will help to fix your electrical supply or main heating system failures, repairs to your roof or drainage systems.

Accidental damage

Accidental damage cover

Take the stress out of accidents – they happen but they don’t need to be an issue. Add accidental damage to your buildings insurance and you’ll be covered for accidental damage to drains and pipes, windows, baths and toilets. Add it to your contents insurance and you'll be covered for accidental damage to your carpets, furniture, TVs and computer equipment in your home.


Compulsory £250 excess applies.

Insurance jargon buster

Insurance is full of terms that don't make an awful lot of sense. Here we shed some light on the worst offenders:
New for old cover

New for old

New for old says what it does on the tin. In the event of loss or damage, we’ll replace items such as carpets and furniture (if they can't be repaired) with new ones. Simple!

Exclusions apply.

Trace and access cover

Trace and access

If you purchase our upgraded buildings insurance, one of the key benefits is that you'll get up to £5,000 trace and access cover. This means that after a leak has been fixed, we'll replace any part of your home that's been damaged in order to locate a water or heating system leak such as flooring. If water freezing in your pipes has caused the leak, we'll also repair the damaged or burst pipe.

Wear and tear

Wear and tear

Wear and tear occurs naturally and is an inevitable part of ageing so is not covered by our home insurance policies.  You wouldn't be covered for damage caused by rust, damp, condensation, fading and frost, or the effects of tasks such as cleaning, repairing and restoration of items in your home.

Storm damage

Storm damage

Storm damage can be complicated in terms of what is and isn't covered by your home insurance policy. Although a period of bad weather is unlikely to cause damage to your home, a violent storm could cause significant damage. If you lose any roof tiles, or worse, we'll help to repair it but damage to fences, hedges and gates isn't covered so make sure everything is secured outdoors if a period of violent stormy weather is forecast.

Need to check the policy documents?

You can download the policy wording and optional cover option documents below:

Home guides and information

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