Home Insurance

Buildings Insurance

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.

Contents Insurance

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 *.

Specified items cover

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.

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.

More about accidental damage cover

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.

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.

More about away from home cover

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.

This cover provides expert help when you need legal support and covers things like employment disputes, personal injury and clinical negligence.

More about Legal Expenses cover

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.

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.

More about home emergency cover