If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

*25% of customers could save up to £104.14 on a new combined Halifax Home Insurance policy bought online (excludes optional extras). Based on independent research by Consumer Intelligence 01/05/20 - 31/07/20.

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

Why get Buildings and Contents Insurance?

Buildings insurance covers the cost of repairing or rebuilding the structure of your home that is damaged by events such as a flood, fire or a storm. 

This also covers permanent fixtures in your home, such as fitted kitchens and fitted bedroom furniture. This doesn't include the items inside your home - you'd need contents insurance for that. 

Contents Insurance covers the cost of repairing or replacing the items in your home that have been stolen, or damaged by events such as a flood, fire or storm. This includes household goods and personal effects owned by you or your family. 

You'll also get £10,000 worth cover for high risk items (you can select more if you wish). These are those things which may have a high cost in money terms and may attract thieves. Such as jewellery, mobile phones, and computers.

Why choose us?

When it comes to Buildings and Contents Insurance we make applying, setting up and claiming as easy as possible for you.

  • Easy to contact - All our call centres and claims advisers are based in the UK.
  • 24/7 Emergency Helpline - Available 24/7 should you need to find an electrician or plumber in the middle of the night.
  • Extra support when you need it - If your claim is complex and we feel you need extra help, we'll send a Personal Claims Consultant to help you face-to-face.

Choosing the right level of cover

We offer two levels of Buildings and Contents Insurance cover for you to choose from:

  • Halifax Home Insurance - a tailored flexible offering that allows you to choose from a range of additional cover options for an additional premium.
  • Halifax Home Insurance Ultimate - a more inclusive offering where some additional cover is included as standard, with higher limits in key cover areas.
  • Cover description

    Home Insurance Limit

    Home Insurance Ultimate Limit

    Cover description

    Private residence cover

    Home Insurance Limit

    Up to £75,000* (included)

    Home Insurance Ultimate Limit

    Unlimited** (included)

    Cover description

    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)

    Cover description

    Accidental damage cover

    Home Insurance Limit

    Up to £75,000* (optional)

    Home Insurance Ultimate Limit

    Unlimited** (included)

    Cover description

    Replacement of sets cover

    Home Insurance Limit

    Not available

    Home Insurance Ultimate Limit

    Unlimited** (included)

    Cover description

    High Risk Items (individually worth up to £3,000)

    Home Insurance Limit

    £10,000 as standard ***

    Home Insurance Ultimate Limit

    £10,000 as standard ***

    Cover description

    Personal belongings away from the home cover

    Home Insurance Limit

    Up to £15,000** (optional)

    Home Insurance Ultimate Limit

    Up to £25,000** (optional)

    Cover description

    Students' contents away from home cover

    Home Insurance Limit

    Up to £10,000** (optional)

    Home Insurance Ultimate Limit

    Up to £10,000** (optional)

    Cover description

    Pedal cycle cover

    Home Insurance Limit

    Up to £10,000** (optional)

    Home Insurance Ultimate Limit

    Up to £10,000** (optional)

    Cover description

    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)

    Cover description

    Home Insurance Limit

    Home Insurance Ultimate Limit

    * 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.

    ** There are elements of cover which are subject to lower limits.

    *** Illustrates the limits of cover we provide as standard. A higher Sum Insured amount can be specified, this is limited up to £30,000 on Home Insurance and £50,000 on Home Insurance Ultimate.

    Limits, terms and exclusions apply to all levels of cover. See our policy documents for full details.

Cover description

Home Insurance Limit

Home Insurance Ultimate Limit

Cover description

Private residence cover

Home Insurance Limit

Up to £500,000* (included)

Home Insurance Ultimate Limit

Unlimited** (Included)

Cover description

Outbuildings cover

Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (Included)

Cover description

Accidental damage cover

Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (Included)

Cover description

Replacement of sets cover

Home Insurance Limit

Not available

Home Insurance Ultimate Limit

Unlimited** (Included)

Cover description

Home Insurance Limit

Home Insurance Ultimate Limit

*Illustrates 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.

** There are elements of cover which are subject to lower limits.

Limits, terms and exclusions apply to all levels of cover. See our policy documents for full details.

Get a quote over the phone

If you'd prefer to get a Buildings and Contents Insurance quote over the phone, we're here to help.  We'll answer any questions you may have about our products and services, to make sure that you get the right level of cover to protect your possessions.

Call us on 0800 085 6844

Lines are open Mon to Fri 8am - 8pm and Sat 8am - 4pm. (Times may vary on public holidays).

Calls may be recorded and monitored for training and/or quality purposes.

Renters Insurance - Couple using laptop

Need Renters Insurance?

Looking for contents insurance that fits around your lifestyle? Cover you can manage online whenever suits you? We’ve got you sorted!

Our Renters Insurance is simple cover that gives you the freedom and flexibility to protect the things you love most.

Get a Renters Insurance quote
Building and Contents Insurance - couple looking at mobile phone

Need additional cover?

We’ve a wide range of additional cover options available to suit your specific needs, including Accidental Damage Cover, Pedal Cycle Cover and Home Emergency Cover.

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.