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

Accidental damage cover - buildings


Home Options

Optional* (Limited cover available as standard)

Home Solutions

Optional* (Limited cover available as standard)

Alternative accommodation cover


Home Options

Up to 20% of buildings sum insured

Home Solutions

Up to £30,000

Buildings Sum Insured


Home Options

Up to £400,000

Home Solutions

Unlimited

Water damage caused by burst pipes


Home Options

Y

Home Solutions

Y

Loss of keys


Home Options

Y

Home Solutions

Y

Theft of keys


Home Options

Y

Home Solutions

Y

Emergency access cover - buildings


Home Options

Y

Home Solutions

Y

Buildings standard excess


Home Options

£50
(£1000 excess for subsidence)

Home Solutions

£100
(£1000 excess for subsidence)

Available to buy online


Home Options

Y

Home Solutions

Halifax branch or over the phone

Underwriter


Home Options

Lloyds Bank General Insurance Limited

Home Solutions

Lloyds Bank General Insurance Limited


Home Options

Home Solutions

*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

Up to 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

Accidental damage cover - contents


Home Options

Optional*
(Limited cover available as standard)

Home Solutions

Optional*
(Limited cover available as standard)

Alternative accommodation cover


Home Options

Up to 20% of contents sum insured

Home Solutions

Up to £20,000

Contents Sum Insured


Home Options

Up to £50,000
(inner limits apply)

Home Solutions

Unlimited
(inner limits apply)

High Risk Items / Valuables Limit


Home Options

Up to 33% of sum insured
(single item limits apply)

Home Solutions

Up to £10,000
(single item limits apply)

Contents from outbuildings


Home Options

Up to £2,000

Home Solutions

Up to £5,000

Personal belongings outside the home


Home Options

Optional Personal Belongings Cover*

Home Solutions

Optional Personal Belongings Cover*

Freezer contents replacement


Home Options

Optional*
(up to £250)

Home Solutions

Up to £500

Increase of sum insured for weddings and religious festivals


Home Options

Increase of contents sum insured by 10%, up to £3,000

Home Solutions

Increase of valuables sum insured by £3,000

Contents – standard excess


Home Options

£50

Home Solutions

£100

Available to buy online


Home Options

Y

Home Solutions

Halifax branch or over the phone

Underwriter


Home Options

Lloyds Bank General
Insurance Limited

Home Solutions

Lloyds Bank General
Insurance Limited


Home Options

Home Solutions

*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.

Get a quoteRetrieve a quote


Halifax Home Solutions Insurance

  • 25% Welcome discount (subject to minimum premiums)
  • £50 cashback offer
  • Available on new combined buildings and contents policies. Conditions apply

Existing insurance customer?

Find useful information on:

  • Making a claim
  • Updating your policy
  • Policy documents

And much more