HOME INSURANCE

Halifax Home Insurance and Halifax Home Insurance Ultimate are underwritten by Lloyds Bank General Insurance Limited.


10% discount for Online Banking customers plus £50 cashback

Get a quote and buy through Online Banking to get a 10% discount.

Plus if you take out a new combined buildings and contents policy you'll also get £50 cashback, once you've held your policy for 70 days and paid your first premium.

Sign in to get a quote


Not an online banking customer? You can still get £50 cashback when you:

  • Take out a new combined buildings and contents policy
  • Hold this policy for 70 days and pay your first premium.

Get a quote


SWAP YOUR £50 CASHBACK FOR A GREAT WELCOME GIFT

Choose from:

  • Amazon Fire 7 Tablet & case
  • Night in a hotel for two
  • NOW TV & 6 month Sky cinema pass

You can select your gift straight away, as long as you continue to hold your combined policy for at least 30 days. If you don't claim a gift within 60 days you’ll receive the £50 cashback.


Why choose us?

We give our customers extra with a range of offers to choose from, and when it comes to home insurance we make the process of applying, claiming and settling as easy as possible for you.

What is home insurance?

Home insurance comes in two parts, which you buy separately or together:

  • Your house itself is covered by buildings insurance against incidents like fire
  • Your belongings in the house are covered by contents insurance against incidents like burglary
  • Or take combined insurance which includes both buildings and contents cover, all under one policy

Our cover in more detail

We can offer you two levels of cover. Halifax Home Insurance is our tailored, flexible offering, while Home Insurance Ultimate has additional cover and higher limits included as standard.

Buildings Insurance

Cover limits shown in this section are part of, not in addition to, the overall ‘Private residence cover limit’.

Cover description

Home Insurance Limit

Home Insurance Ultimate Limit

Private residence cover

Up to £500,000* (included)

Unlimited** (Included)

Outbuildings cover

Up to £500,000* (optional)

Unlimited** (Included)

Accidental damage cover

Up to £500,000* (optional)

Unlimited** (Included)

Replacement of sets cover

Up to £500,000* (Included)

Unlimited** (Included)

Private residence cover


Home Insurance Limit

Up to £500,000* (included)

Home Insurance Ultimate Limit

Unlimited** (Included)

Outbuildings cover


Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (Included)

Accidental damage cover


Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (Included)

Replacement of sets cover


Home Insurance Limit

Up to £500,000* (Included)

Home Insurance Ultimate Limit

Unlimited** (Included)

*llustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £1,000,000 for Buildings. There are elements of cover which are subject to lower limits (e.g. Alternative accommodation).

**There are elements of cover which are subject to lower limits (e.g alternative accommodation)

Contents Insurance

Cover limits shown in this section are part of, not in addition to, the overall ‘Private residence cover’ limit. This doesn’t apply to ‘Pedal cycle’ or ‘Specific items cover’.

Cover description

Home Insurance Limit

Home Insurance Ultimate Limit

Private residence cover

Up to £75,000* (included)

Unlimited** (included)

Contents in outbuildings and in the open cover

Up to £5,000 in outbuildings (optional)
Up to £1,000 In the open (optional)

Up to £10,000 in outbuildings (included)
Up to £2,000 In the open (included)

Accidental damage cover

Up to £75,000* (optional)

Unlimited** (included)

Replacement of sets cover

Up to £75,000* (included)

Unlimited** (included)

Personal belongings away from the home cover

Up to £15,000** (optional)

Up to £25,000** (optional)

Students' contents away from home cover

Up to £10,000** (optional)

Up to £10,000** (optional)

Pedal cycle cover

Up to £10,000** (optional)

Up to £10,000** (optional)

Specified items cover (individually worth over £3,000)

Up to £30,000** (optional)

Up to £50,000** (optional)

Private residence cover


Home Insurance Limit

Up to £75,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

Contents in outbuildings and in the open cover


Home Insurance Limit

Up to £5,000 in outbuildings (optional)
Up to £1,000 In the open (optional)

Home Insurance Ultimate Limit

Up to £10,000 in outbuildings (included)
Up to £2,000 In the open (included)

Accidental damage cover


Home Insurance Limit

Up to £75,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (included)

Replacement of sets cover


Home Insurance Limit

Up to £75,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

Personal belongings away from the home cover


Home Insurance Limit

Up to £15,000** (optional)

Home Insurance Ultimate Limit

Up to £25,000** (optional)

Students' contents away from home cover


Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

Pedal cycle cover


Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

Specified items cover (individually worth over £3,000)


Home Insurance Limit

Up to £30,000** (optional)

Home Insurance Ultimate Limit

Up to £50,000** (optional)

*Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £100,000 for contents. There are elements of cover which are subject to lower limits (e.g. Alternative accommodation).

** There are elements of cover which are subject to lower limits (eg. alternative accommodation)


Switch your home insurance to us

Make sure your insurance cover is right for you. We’ve put together some guidance that keeps it simple and helps you find the right product.


Help and guidance

Extreme weather, burglars, fire – there’s a lot to think about. So we’ve made things as simple as possible with hints and tips on protecting your home and your possessions.


What we cover

Quick links to help you find the right protection for your home and possessions:


Existing customer support

  • What's covered in my policy?
  • Am I covered for all my needs?
  • How do I make a claim?
  • What numbers can I call you on?

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