Home Insurance

We offer 3 types of home insurance:

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Home Insurance Select has 3 levels of cover: Bronze, Silver & Gold

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

 

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    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.

    buildings insurance cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Buildings

    Bronze

    Full rebuild cost

    Silver

    Full rebuild cost

    Gold

    Full rebuild cost

    Cover

    Accidental damage

    Bronze

    Not available

    Silver

    Full rebuild cost

    Gold

    Full rebuild cost

    Cover

    Plants in the garden

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Tracing & accessing a leak

    Bronze

    £5,000

    Silver

    £5,000

    Gold

    £5,000

    Cover

    Blocked drains

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    If you need somewhere else to stay (if you live at the property)

    Bronze

    £100,000

    Silver

    £100,000

    Gold

    £100,000

    Cover

    Loss of rent (if you’re a landlord)

    Bronze

    £100,000

    Silver

    Not available

    Gold

    Not available

    Cover

    Home owner’s legal responsibility

    Bronze

    £2,000,000

    Silver

    £2,000,000

    Gold

    £2,000,000

    Cover

    Damage by emergency services

    Bronze

    Full rebuild cost except trees, plants and shrubs where the limit is £1,000

    Silver

    Full rebuild cost except trees, plants and shrubs where the limit is £1,000

    Gold

    Full rebuild cost except trees, plants and shrubs where the limit is £1,000

     

    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 *.

    contents insurance cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Contents

    Bronze

    £50,000

    Silver

    £100,000

    Gold

    £250,000

    Cover

    Accidental damage

    Bronze

    Not available

    Silver

    £100,000

    Gold

    £250,000

    Cover

    Damage to frozen food

    Bronze

    £500

    Silver

    £500

    Gold

    £500

    Cover

    Visitors’ belongings

    Bronze

    £500

    Silver

    £500

    Gold

    £500

    Cover

    If you need somewhere else to stay

    Bronze

    £25,000*

    Silver

    £25,000*

    Gold

    £25,000*

    Cover

    Money

    Bronze

    £500

    Silver

    £500

    Gold

    £500

    Cover

    Documents

    Bronze

    £2,500

    Silver

    £2,500

    Gold

    £2,500

    Cover

    Contents in outbuildings

    Bronze

    £5,000

    Silver

    £5,000

    Gold

    £5,000

    Cover

    Contents in the open

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Trees & plants

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Metered water

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Personal legal responsibility

    Bronze

    £2,000,000*

    Silver

    £2,000,000*

    Gold

    £2,000,000*

    Cover

    Employer’s responsibility for domestic staff

    Bronze

    £10,000,000*

    Silver

    £10,000,000*

    Gold

    £10,000,000*

    Cover

    Protection for tenants

    Bronze

    £10,000*

    Silver

    £10,000*

    Gold

    £10,000*

    Cover

    Tenant’s home improvements

    Bronze

    £5,000*

    Silver

    £5,000*

    Gold

    £5,000*

    Cover

    Damage by emergency services

    Bronze

    Contents sum insured except trees, plants and shrubs where the limit is £1,000

    Silver

    Contents sum insured except trees, plants and shrubs where the limit is £1,000

    Gold

    Contents sum insured except trees, plants and shrubs where the limit is £1,000

     

    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.

 

Additional features and optional extras we offer:

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.

 

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    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

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    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.

    Away from home cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Items lost or stolen away from home

    Bronze

    Choose from £1,000 to £25,000

    Silver

    Choose from £1,000 to £25,000

    Gold

    Choose from £1,000 to £25,000

    Cover

    Including accidental damage cover

    Bronze

    Not available

    Silver

    Included up to your chosen limit for items away from home

    Gold

    Included up to your chosen limit for items away from home

    Cover

    Including students' contents

    Bronze

    Up to £5,000

    Silver

    Up to £5,000

    Gold

    Up 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.

    More about away from home cover

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    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.

    legal expenses cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Legal expenses

    Bronze

    Not 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.

    More about Legal Expenses cover

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    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.

    home emergency cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Home 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.

    More about home emergency cover

Ready to get your quote?

Get your quote in minutes. It's 10% cheaper when you get your quote and buy online. Read about our online price.

Get your quote now

Halifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.