Halifax Home Insurance – Compare our home insurance products

Halifax Home Options & Home Solutions Insurance

Do you often find yourself paying for something on your home insurance that you don’t need? That’s why at the Halifax we offer two different home insurance products, to give you the flexibility to choose the cover that suits your needs. So if you just want to cover the basics or need a fully comprehensive policy you are in the right place.

Below is a summary of what our two insurance products Home Options and Home Solutions offers so you can decide which one is right for you.

Buildings insurance

  Home Options Home Solutions
Accidental damage cover - buildings Optional*
(Limited cover available as standard)
Optional*
(Limited cover available as standard)
Alternative accommodation cover up to 20% of buildings sum insured up to £30,000
Buildings Sum Insured Up to £400,000 Unlimited
Water damage caused by burst pipes

Y

Y
Loss of keys Y Y
Theft of keys Y

Y

Emergency access cover – buildings Y Y
Buildings standard excess £50
(£1000 excess for subsidence)
£100
(£1000 excess for subsidence)
Available to buy online Y Halifax branch or over the phone
Underwriter Lloyds Bank General
 Insurance Limited
Lloyds Bank General
 Insurance Limited
 

Find out more

Find out more

*Additional premiums apply to optional extras.

Contents insurance

  Home Options Home Solutions
Accidental damage cover - contents Optional*
(Limited cover available as standard)
Optional*
(Limited cover available as standard)
Alternative accommodation cover up to 20% of contents sum insured up to £20,000
Contents Sum Insured

Up to £50,000
(inner limits apply)

Unlimited
(inner limits apply)
High Risk Items/Valuables Limit 33% of sum insured
(single item limits apply)
Up to £10,000
(single item limits apply)
Contents from outbuildings Up to £2,000

Up to £5,000

Personal belongings outside the home

Optional Personal Belongings Cover*

Optional Personal Belongings Cover*
Freezer contents replacement 

Optional*
(up to £250)

Up to £500
Increase of sum insured for weddings and religious festivals Increase of contents sum insured by 10%, up to £3,000 Increase of valuables sum insured by £3,000
Contents – standard excess £50 £100
Available to buy online  Y Halifax branch or over the phone
Underwriter Lloyds Bank General
Insurance Limited
Lloyds Bank General
Insurance Limited
 

Find out more

Find out more

*Additional premiums apply to optional extras.

Limits and exclusions apply to all benefits listed above

Halifax Home Options Insurance

£50 cashback offer on new combined buildings and contents policies. Conditions apply.

 

Halifax Home Solutions Insurance

Get a 25% Welcome Discount off your first year’s premium (subject to minimum premiums). Conditions apply.

Find out more about Halifax Home Solutions Insurance
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