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Protecting customers with insurance since 2001

Home insurance

On average, our buildings and contents insurance customers pay £168 a year*

  • Up to £200 Home Emergency Assistance as standard**
  • 7.9 out of 10 customers renew with us***
  • 24-hour Home Emergency helpline

What's included in your home insurance

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

Home insurance cover levels

Buildings and contents only

What's included as standard

Buildings cover only

What's included as standard

Contents cover only

What's included as standard

Up to £100,000 cover for your contents

Up to £1 million buildings cover

Up to £100,000 cover for your contents

Up to £1 million buildings cover

Home emergency assistance up to £200

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

Must use a MORE THAN authorised tradesperson

Locks and keys up to £1,000

Alternative accommodation up to £30,000
Alternative accommodation up to £15,000
Home emergency assistance up to £200

Must use a MORE THAN authorised tradesperson
Locks and keys up to £1,000
Locks and keys up to £1,000
Alternative accommodation up to £45,000
Optional
Accidental damage*

*£250 compulsory excess applies to accidental damage claim
Optional
Accidental damage*

*£250 compulsory excess applies to accidental damage claim
Optional
Accidental damage*

*£250 compulsory excess applies to accidental damage claim
Optional
Legal Services cover up to £50,000
Optional
Personal possessions
Optional
Personal possessions cover
Optional
Home emergency cover up to £1,000
Optional
Bicycle cover
Optional
Bicycle cover
Optional
Trace and access cover
Optional
Home emergency cover up to £1,000
Optional
Home emergency cover up to £1,000
Optional
Alternative accommodation
Optional
Legal Services cover up to £50,000

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.

Start a home insurance quote

Moneyfacts home insurance logo banner.

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 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.

Lady on telephone about broken window.

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. Home emergency assistance is not available for the first 7 days the policy is taken out.


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. Home emergency assistance is not available for the first 7 days the policy is taken out.

Find out more

Why choose our home insurance cover?

Our home insurance includes all these benefits as standard:

Up to £200 home emergency assistance

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

Buildings and contents cover

Up to £1 million buildings and £100k 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.

UK-based call centres

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

Start a home insurance quote

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!

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Find out more

Jargon buster

Make sense of the jargon with this useful guide.

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.

Important information

Average customers pay

Excludes optional extras. Based on new customers who purchased upgraded or standard buildings and contents cover. MORE THAN data January to June 2020. 

** Home emergency assistance

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

*** Customers who renew with us

Renewal data based on MORE THAN data January to July 2020