Home insurance
5 Star Moneyfacts rated cover to protect your buildings and contents
Do you have a policy with us?
Make changes and view your home insurance documents on our existing customers page.
5 Star rated Primary and Upgraded home cover
For 7 years, we’ve been awarded a Moneyfacts 5 Star rating for our Upgraded buildings and Upgraded contents insurance.
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 cover
Up to £1 million buildings and £100,000 contents cover
Covers your home and your belongings on one policy.
Buildings cover
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, like fixtures and fittings.
Contents cover
Up to £100,000 contents cover as standard
The items in your home that could be taken with you if you moved house including furniture, carpets, laptops and clothing.
Compare our home insurance cover levels
You can add Upgraded buildings and/or contents cover in the optional add-on section when getting a home quote.
Home insurance cover levels
Primary buildings and contents cover
Upgraded buildings and contents cover
Buildings
- Up to £1 million buildings cover to repair or rebuild your home
Buildings
- Up to £1 million buildings cover to repair or rebuild your home
Contents
- Up to £100,000 to repair or replace your home contents
Contents
- Up to £100,000 to repair or replace your home contents
24/7 home emergency assistance*
- Up to £200
- Up to £200
Alternative accommodation
- Up to £45,000
Alternative accommodation
- Up to £115,000
Locks and keys
- Up to £1,000
Locks and keys
- Up to £1,000
Freezer food
- Up to £500
Freezer food
- Up to £500
Working from home (clerical)
- Up to £7,500 computer and office equipment. Ideal when working from home or running a business from home
Working from home (clerical)
- Up to £7,500 computer and office equipment. Ideal when working from home or running a business from home
Water leaks
- Water and oil leaks covered as standard
- Water and oil leaks covered as standard
Trace and access
- Help 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
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
Special event cover
Special event
- We’ll increase your contents cover by 10% 1 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
Start a home insurance quote
What's not covered by our home insurance
- Wear and tear - Gradual wear and tear or breakdown of household appliances. This doesn't just apply to your valuables. 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.
Useful guides
Important information
* Home emergency assistance
Must use a MORE THAN authorised tradesperson. Home emergency assistance is not available for the first 7 days after the policy is taken out.