Home Insurance

Protecting your home and belongings

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Cover for your buildings and contents

Our Home Insurance protects both your home inside and out – covering your building and belongings.

Buildings Insurance

We’ll cover the cost of repairing damage to the structure of your property caused by water damage, fire and more.

Contents Insurance

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 1.

Alternative accommodation

We’ll arrange and pay for accommodation if your home is damaged and can’t be lived in 2

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.

Home Insurance

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 3.

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 4.

What does Home Insurance cover?

Our Home Insurance includes the structure of your home with buildings cover, and your belongings with contents cover. Plus, you can tailor your policy with our optional add-ons. See the full summary of cover here.

What’s covered

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.

 Read our policy wording (667.7 KB)

Ready to get cover?

Our Home Insurance includes Buildings and Contents Insurance together, but we offer them separately too.

If you only need Buildings or Contents cover, simply select this option when you get your quote.

How our claims process works

Whatever happens, we’re here when you need us – online and over the phone.


Keep your documents handy

To make a claim, you’ll need your insurance policy number, any photos of the lost or damaged items (if you have them), and any related receipts, quotes or invoices.


Let us know

You can make a claim online or over the phone on 0345 030 6945.

If there’s been an emergency, eg your home isn’t secure after a break-in or it’s not safe to stay there following damage, get in touch with us as soon as you can.


We’ll respond quickly

We’ll get back to you as soon as we can to sort things out. And if you make a claim online, we aim to get back to you within 2 hours 5.

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Contact us

Still need help? Give us a call.

0800 068 5984

Monday to Friday: 8:00 20:00

Saturday: 8:30 17:00

Sunday: 10:00 16:00