Cover for your buildings and contents
Starting from only £99, our Home Insurance protects both your home inside and out – covering your building and belongings. 10% of our customers have paid this price 1.
We’ll cover the cost of repairing damage to the structure of your property caused by water damage, fire and more.
Cover if you’re burgled or something’s damaged in a fire, with no limit to the overall amount we’ll cover your contents for 2.
We’ll arrange and pay for accommodation if your home is damaged and can’t be lived in 3.
Plus, you can tailor your policy to suit you with add-ons like accidental damage, legal services and bicycle cover. Or, if you only need either Buildings or Contents insurance, you can choose these separately.
Your Home Insurance stories
With every new claim, there’s a story to tell. Here are some examples of how we helped people get their homes back in order.
After losing many sentimental belongings in a break-in, William wasn’t looking forward to the claims process. But we were there to help when he needed us. We quickly arranged for repairs to doors and windows and settled the claim for his stolen items with understanding and speed 4.
Accidental damage optional add-on
When the shark attacked Nemo, Julie’s granddaughter came to the rescue and threw a plate at the TV screen. Julie couldn’t find her policy documents but she looked up our number and gave us a call. We settled the replacement TV claim over the phone within a few minutes. We’re pretty sure Nemo escaped 5.
What does Home Insurance cover?
Our Home Insurance includes buildings and contents cover together – that’s the structure of your home and your belongings. Plus you can tailor your policy with our optional add-ons.
Cover for your property, possessions and more.
Damage to your property and possessions
- Caused by events such as fire, theft, subsidence and flooding
- Includes damage to garages and outbuildings and their contents
Cost of alternative accommodation (including loss of rent)
- We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
- And if you’re a landlord, we'll also cover you for any lost rent while the property is uninhabitable
Liability protection for injuries or property damage
- If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wet rot, dry rot or frost damage
- Damage that’s been caused over time
- Fences, gates or hedges damaged in a storm
- Claims for poor workmanship or faulty design
Take a look at our policy wording for full details of what's not covered.
Get up to 20% off online
Take out our Home Insurance online and you could get up to 20% off the standard price 6.
Tailor your policy with our add-ons and get extra cover for your home and belongings. See our home insurance add-ons for more details.
Protected no-claims discount
If you haven't made a claim for 5 years or more, you can protect your no-claims discount.
Cover for you and your domestic partner, as well as any family members living with you.
Extra personal belongings
Additional cover for your belongings in the UK and worldwide, including personal money and credit cards.
Choose between 'extra' and 'limited' cover for items from cables and service pipes to home entertainment equipment.
Looking for more cover?
We’ve got a range of options to help protect what’s important to you.
From porches to patios, our Buildings Insurance helps to protect the structure of your property.
From gadgets to grandfather clocks, our Contents Insurance can help to protect your prized possessions.
Take a look at our latest news and guides.
22 Jun 2018
From damp patches to cracks in the walls, what to look out for when you’re out viewing homes.
7 Jun 2018
Childproofing your home
Take a look at our tips for keeping toddlers and little ones safe from household hazards.
26 Oct 2017
Take a look at our checklist to help you manage every step of the move to your new home.
26 Oct 2017
Insurance for first-time buyers
Our guide to insurance for first-time buyers including buildings, contents and life insurance.
18 Oct 2017
Making home improvements
Take a look at our tips to getting started with home renovations and decorations.