Compare home insurance

If you're looking for home insurance but you're not sure which type of cover to choose, we're here to help. Compare our home insurance cover to see which is best for you.

Compare Home Insurance Select cover and options

You can only get Home Insurance Select directly with us. And you'll save 10% if you buy online. Read the offer terms and conditions.

Compare buildings insurance  

Compare buildings insurance

   

Bronze

Silver

Gold

   

Building limit up to

Bronze

Full rebuild cost

Silver

Full rebuild cost

Gold

Full rebuild cost

   

Bronze

Not available

Silver

Included, up to full rebuild cost

Gold

Included, up to full rebuild cost

   

Bronze

Not available

Silver

Included, up to £50,000

Gold

Included, up to £50,000

   

Bronze

Optional extra, up to £1,000

Silver

Optional extra, up to £1,000

Gold

Optional extra, up to £1,000


Compare contents insurance  

Compare contents insurance

  

Bronze

Silver

Gold

  

Contents limit up to

Bronze

£50,000

Silver

£100,000

Gold

£250,000

  

Bronze

Not available

Silver

Included, up to £100,000

Gold

Included, up to £250,000

  

Bronze

Not available

Silver

Included, up to £50,000

Gold

Included, up to £50,000

  

Bronze

Optional extra, from £1,000 to £25,000

Silver

Optional extra, from £1,000 to £25,000

Gold

Optional extra, from £1,000 to £25,000

  

Bronze

Optional extra, up to £1,000

Silver

Optional extra, up to £1,000

Gold

Optional extra, up to £1,000

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 the policy documents (PDF 508KB).

Ready, set, quote

 

Two people in a kitchen

Get your Buildings and Contents Insurance quote

We only ask a handful of questions, so you'll have a quote in no time. Save 10% if you buy online. Read the offer terms and conditions.

 

Get your quote online

Retrieve your quote

More about the options available with Home Insurance Select  

Away from home

Away from home cover protects the things you have with you when you leave the house, like your phone, watch or bike. It includes students' contents in student accommodation up to £5,000. If you've named any high value items, you can also choose to cover these away from home.

Optional on Bronze, Silver and Gold

Accidental Damage

This 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.

Included with Silver and Gold.

Legal Expenses

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.

Included with Silver and Gold.

Home Emergency 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.

Optional on Bronze, Silver and Gold

Compare our insurance for renters

If you rent your home or you plan to rent soon, you only need to insure your contents. We offer two policies to suit renters: Home Insurance Select Contents Insurance and Halifax Renters Insurance. Take a look at the key things to know and choose which one's best for you.

Compare our insurance for renters

Key differences

Home Insurance Select Contents Insurance

Renters Insurance

Key differences

Cover term

Home Insurance Select Contents Insurance

Yearly cover with no admin charges to cancel or change cover

Renters Insurance

Monthly cover with no admin charges to cancel or change cover

Key differences

Managing your policy

Home Insurance Select Contents Insurance

Manage your policy on the phone with some parts online

Renters Insurance

Manage your policy online

Key differences

Making a claim

Home Insurance Select Contents Insurance

Make claims online or over the phone

Renters Insurance

Make claims online

Key differences

Cover limit

Home Insurance Select Contents Insurance

Minimum of £50,000 cover in the home for a number of events such as fire, flood, theft and water damage

Renters Insurance

£10,000 simple cover in the home against fire, flood, theft and water damage

Key differences

Optional cover

Home Insurance Select Contents Insurance

Cover your items anywhere in the world if you add Away From Home cover at an extra cost

Renters Insurance

Cover selected items anywhere in the world if you add Anywhere Cover at an extra cost

Key differences

Liability Cover limit

Home Insurance Select Contents Insurance

Up to £2,000,000 cover for the breach of your personal legal responsibilities.

Renters Insurance

Up to £10,000 cover if you’re responsible for fire, flood and water damage to your landlord’s or neighbour’s property.

Key differences

Read more and get a quote

Home Insurance Select Contents Insurance

Renters Insurance

Limits, terms and exclusion apply to all levels of cover.

How to compare home insurance

You will want to be sure you are getting the best deal for your money when shopping for home insurance. This means getting the cover you need for the best price.

You can only get Home Insurance Select directly with us.

What you will need to compare home insurance:

  • Check your current policy. If you already have insurance, check whether it is still valid and if it provides the cover you need first.
  • Look for ways to bring home insurance costs down. For example, installing stronger locks or a burglar alarm.
  • Decide what cover you need. Choose what policy you want and how much cover you'll need. You might need cover for costly items, or Away from home cover.
  • Compare quotes. Use comparison and home insurance websites to shop around for the best deal.
  • Value your items and home. Knowing the value of your home and the things in it will help you to avoid being over or under insured. With Halifax Home Insurance Select you don't need to worry about how much your home is worth. You'll be covered for the full rebuild cost.

What type of home insurance do I need?  

The home insurance you need will depend on you. Firstly, you will need to decide which type of policy you want. You can choose from:

  • Buildings insurance.
  • Contents insurance.
  • A combination of both.

Contents insurance

This type of cover protects the items inside your home against theft, and damage by things like fire, flood and storm. You could protect your household goods and personal belongings, including:

  • Furniture
  • Household appliances
  • Clothes
  • Electronics and gadgets
  • Jewellery

Building insurance

Buildings insurance protects you against damage to the structure of your home and its fixtures and fittings. It covers events such as fire, flood and storm.

If you own the property you live in, a combined policy can protect both the building and the things inside.

If you rent, you only need to get contents insurance. It's up to your landlord to take out buildings insurance.

There are limits, terms and exclusions to all levels of cover. It’s a good idea to check your policy closely so you know that all the important things are covered.

Why compare home insurance?

Comparing home insurance is the best way to find the right deal for you. Knowing the value of your home and the items you own can help make sure you are not under or over insured.

If you are under insured, this could mean you’d pay more of your own money to replace or repair an item that’s not insured for the full amount. Being over insured could mean you pay for more cover than you need.

You’ll also want to know that you are covered for any expensive items you own. There's usually a limit to how much you can claim for an individual item - unless it's named on your policy and insured for its full value. For example, if you have a piece of jewellery that's worth a lot, you'll want to know that you can claim for the full cost to replace it if you need to.

Halifax Home Insurance Select and Halifax Renters Insurance 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.