Buildings and Contents Insurance.

Parent and child baking

Get Buildings and Contents Insurance from as little as £101*

With our Buildings & Contents Insurance policy from as little as £101*, you could protect the things that matter the most to you for around £2 a week! You can also pick and choose from a range of optional extras.

Get a quote now

*Prices from £101, based on 10% of customers paying this price or less for combined policies bought online between 1st October 2019 and 2nd February 2020. Price based on standard cover and excludes optional extras. Prices may be higher over the phone.

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

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

Not available

Unlimited** (Included)

Get a quote now

Get a quote now

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

Not available

Home Insurance Ultimate Limit

Unlimited** (Included)


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.

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

Not available

Unlimited** (included)

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

£10,000 as standard ***

£10,000 as standard ***

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)

Get a quote now

Get a quote now

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

Not available

Home Insurance Ultimate Limit

Unlimited** (included)

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


Home Insurance Limit

£10,000 as standard ***

Home Insurance Ultimate Limit

£10,000 as standard ***

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)


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.


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

Find out more about Renters Insurance

Building and Contents Insurance - Father and son baking

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.

Find out more about Additional Cover


Important information

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.