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We'll only ask you a handful of questions, so you'll have your quote in no time. You can only get Home Insurance Select directly with us.
Get insured nowHalifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read our policy documents (PDF, 508kB)Opens in a new window
This covers the structure of your home and its outbuildings. This includes your roof, walls, windows and ceilings. It also includes permanent fixtures like fitted kitchens and bathrooms. It covers you against damage caused by things like fire, flood and storm, as well as subsidence and vandalism.
Cover |
Bronze |
Silver |
Gold |
---|---|---|---|
CoverBuildings |
BronzeFull rebuild cost |
SilverFull rebuild cost |
GoldFull rebuild cost |
CoverAccidental damage |
BronzeNot available |
SilverFull rebuild cost |
GoldFull rebuild cost |
CoverPlants in the garden |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
CoverTracing & accessing a leak |
Bronze£5,000 |
Silver£5,000 |
Gold£5,000 |
CoverBlocked drains |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
CoverIf you need somewhere else to stay (if you live at the property) |
Bronze£100,000 |
Silver£100,000 |
Gold£100,000 |
CoverLoss of rent (if you’re a landlord) |
Bronze£100,000 |
SilverNot available |
GoldNot available |
CoverHome owner’s legal responsibility |
Bronze£2,000,000 |
Silver£2,000,000 |
Gold£2,000,000 |
CoverDamage by emergency services |
BronzeFull rebuild cost except trees, plants and shrubs where the limit is £1,000 |
SilverFull rebuild cost except trees, plants and shrubs where the limit is £1,000 |
GoldFull rebuild cost except trees, plants and shrubs where the limit is £1,000 |
This covers the things in your home. This includes items you could take with you if you moved house – like furniture, clothing, electronic goods, carpets and curtains. It covers you against theft as well as damage caused by things like fire, smoke, storm or flood. The cover limits below are part of, not in addition to, your overall Contents Cover limit. This is with the exception of those limits marked with an *.
Cover |
Bronze |
Silver |
Gold |
---|---|---|---|
CoverContents |
Bronze£50,000 |
Silver£100,000 |
Gold£250,000 |
CoverAccidental damage |
BronzeNot available |
Silver£100,000 |
Gold£250,000 |
CoverDamage to frozen food |
Bronze£500 |
Silver£500 |
Gold£500 |
CoverVisitors’ belongings |
Bronze£500 |
Silver£500 |
Gold£500 |
CoverIf you need somewhere else to stay |
Bronze£25,000* |
Silver£25,000* |
Gold£25,000* |
CoverMoney |
Bronze£500 |
Silver£500 |
Gold£500 |
CoverDocuments |
Bronze£2,500 |
Silver£2,500 |
Gold£2,500 |
CoverContents in outbuildings |
Bronze£5,000 |
Silver£5,000 |
Gold£5,000 |
CoverContents in the open |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
CoverTrees & plants |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
CoverMetered water |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
CoverPersonal legal responsibility |
Bronze£2,000,000* |
Silver£2,000,000* |
Gold£2,000,000* |
CoverEmployer’s responsibility for domestic staff |
Bronze£10,000,000* |
Silver£10,000,000* |
Gold£10,000,000* |
CoverProtection for tenants |
Bronze£10,000* |
Silver£10,000* |
Gold£10,000* |
CoverTenant’s home improvements |
Bronze£5,000* |
Silver£5,000* |
Gold£5,000* |
CoverDamage by emergency services |
BronzeContents sum insured except trees, plants and shrubs where the limit is £1,000 |
SilverContents sum insured except trees, plants and shrubs where the limit is £1,000 |
GoldContents sum insured except trees, plants and shrubs where the limit is £1,000 |
We need to know about items worth more than £2,000, other than home appliances, and furniture which isn’t antique. For example, items, such as laptops, TVs, jewellery or bikes which individually cost more than £2,000.
You can also choose to cover any specified items in the home, or both in and away from the home.
Any specified items will be included as part of your overall contents sum insured amount.
For items worth more than £2,000 individually there is a £20,000 individual item limit and a £50,000 total specified item limit.
The level of cover you need will be individual to you. You can see below what's included with our Bronze, Silver and Gold cover and what optional cover you can add to meet your needs.
Covers you against accidental damage to your home and the things in it. So if a football smashes your window or a drink is spilt on your carpet, we’ll pay to repair the damage or replace your things.
Protects the things you have with you when you leave the house, like your phone, watch or bike. If you've named any high value items, you can also choose to cover these away from home.
Cover |
Bronze |
Silver |
Gold |
---|---|---|---|
CoverItems lost or stolen away from home |
BronzeChoose from £1,000 to £25,000 |
SilverChoose from £1,000 to £25,000 |
GoldChoose from £1,000 to £25,000 |
CoverIncluding accidental damage cover |
BronzeNot available |
SilverIncluded up to your chosen limit for items away from home |
GoldIncluded up to your chosen limit for items away from home |
CoverIncluding students' contents |
BronzeUp to £5,000 |
SilverUp to £5,000 |
GoldUp to £5,000 |
We cover things like rings, watches, bikes and laptops whenever you take these things with you outside your home. You’re covered if they’re lost or stolen, or accidentally damaged if you have this cover. This includes cover for students’ contents when in university halls of residence and other student accommodation.
This pays up to £50,000 in case you need to take legal action. It gives you access to a 24/7 helpline for legal advice. It covers things like contract, employment and neighbour disputes.
Cover |
Bronze |
Silver |
Gold |
---|---|---|---|
CoverLegal expenses |
BronzeNot available |
Silver£50,000 |
Gold£50,000 |
This cover provides expert help when you need legal support and covers things like employment disputes, personal injury and clinical negligence.
This protects you against emergency repairs which wouldn't normally be covered by your home insurance. There's a 24/7 helpline, so if your boiler breaks down or your power fails, you can get help fast. It pays for repairs up to £1,000 a time. And there's no excess to pay.
Cover |
Bronze |
Silver |
Gold |
---|---|---|---|
CoverHome emergency |
Bronze£1,000 |
Silver£1,000 |
Gold£1,000 |
You’re covered for emergency repairs. This includes the call-out costs, work and new parts. Call the 24-hour emergency helpline and an approved tradesperson will come out and take action to resolve the emergency. This includes emergency repairs to your heating, plumbing & electrics, roofing, windows, doors and locks to secure your home.
Always here to help
Make claims easily online or by phone. Plus, get access to our 24/7 Emergency helpline.
You decide the excess
Pay the amount you want towards most claims. The higher the excess you choose, the less you could pay for your cover.
No hidden costs
We won't charge you an admin fee for making any changes to your policy.
Support when you need it most
Our Personal Claims Consultants can help with complex claims if we feel you need extra support.
You can find out what is covered, check that you have the cover you need, find useful phone numbers, and learn how to make a claim.
View your policy and what it covers