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Compare home insurance

If you're looking for home insurance but you're not sure which type of cover would be best to suit your needs, we're here to help. Compare our home insurance cover levels side by side.

Choosing the right level of cover

Home Insurance protects your home and possessions for unexpected risks such as fire, flood and theft. There are two types of cover, Buildings Insurance and Contents Insurance  which you can take out separately, or together as a combined Buildings and Contents Insurance policy.

We offer two levels of cover for your to choose from:

  • Halifax Home Insurance - a tailored, flexible offering that allows you to choose from a range of additional cover options
  • Halifax Home Insurance Ultimate - a more inclusive offering where more cover is included as standard, with higher limits in key cover areas.
Man cooking with his son

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

Buildings Insurance

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

Buildings insurance table

Buildings insurance table

Home Insurance Limit

Home Insurance Ultimate Limit

Buildings insurance table

Private Residence Cover

Home Insurance Limit

Up to £500,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

Buildings insurance table

Outbuildings Cover

Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (included)

Buildings insurance table

Accidental Damage Cover

Home Insurance Limit

Up to £500,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (included)

Buildings insurance table

Replacement of Sets Cover

Home Insurance Limit

Not available

Home Insurance Ultimate Limit

Unlimited** (included)

*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.

Get a quote online

Find out more about Buildings Insurance


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 cover’ or ‘Specified items cover’.

Contents insurance table

Contents Insurance

Home Insurance Limit

Home Insurance Ultimate Limit

Contents Insurance

Private Residence Cover

Home Insurance Limit

Up to £75,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

Contents Insurance

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)

Contents Insurance

Accidental Damage Cover

Home Insurance Limit

Up to £75,000* (optional)

Home Insurance Ultimate Limit

Unlimited** (included)

Contents Insurance

Replacement of Sets Cover

Home Insurance Limit

Not available

Home Insurance Ultimate Limit

Unlimited** (included)

Contents Insurance

High Risk Items

Home Insurance Limit

£10,000 as standard ***

Home Insurance Ultimate Limit

£10,000 as standard ***

Contents Insurance

Personal belongings away from the home cover

Home Insurance Limit

Up to £15,000** (optional)

Home Insurance Ultimate Limit

Up to £25,000** (optional)

Contents Insurance

Students' Contents Away From Home Cover

Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

Contents Insurance

Pedal Cycle Cover

Home Insurance Limit

Up to £10,000** (optional)

Home Insurance Ultimate Limit

Up to £10,000** (optional)

Contents Insurance

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.

*** 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.

Get a quote online

Find out more about Contents Insurance

Renters Insurance vs Contents Insurance

If you’re not sure which type of Insurance would best suit your needs see our side by side product table of the features and benefits of each product.

Some key differences between the two:

Renters Insurance vs Contents Insurance

Key Differences

Renters Insurance

Contents Insurance

Key Differences

Cover term

Renters Insurance

Monthly cover with no admin charges to cancel or change cover.

Contents Insurance

Yearly cover with early cancellation fee

Key Differences

Managing your policy

Renters Insurance

Manage your policy online.

Contents Insurance

Manage your policy over the phone.

Key Differences

Making a claim

Renters Insurance

Make claims online 24/7.

Contents Insurance

Make claims over the phone or online.

Key Differences

Cover limit

Renters Insurance

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

Contents Insurance

Minimum of £75,000 cover in the home for a large number of incidents such as fire, flood and theft.

Key Differences

High Risk Items

Renters Insurance

Optional cover at an extra cost for selected items worldwide if you add Anywhere Cover.

Contents Insurance

£10,000 as standard ***

Key Differences

Liability cover

Renters Insurance

Simple Liability Cover up to £10,000 for your landlord or neighbour’s property.

Contents Insurance

Full Liability Cover up to £1,000,000 for a range of responsibilities.

Key Differences

Students' Contents Away From Home Cover

Renters Insurance

Up to £10,000** (optional)

Contents Insurance

Up to £10,000** (optional)

Key Differences

Renters Insurance

Contents Insurance

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.