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.
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:
Cover limits shown in this section are part of, not in addition to, the overall 'Private residence cover' limit.
|
Buildings insurance table |
Home Insurance Limit |
Home Insurance Ultimate Limit |
|---|---|---|
Buildings insurance tablePrivate Residence Cover |
Home Insurance LimitUp to £500,000* (included) |
Home Insurance Ultimate LimitUnlimited** (included) |
Buildings insurance tableOutbuildings Cover |
Home Insurance LimitUp to £500,000* (optional) |
Home Insurance Ultimate LimitUnlimited** (included) |
Buildings insurance tableAccidental Damage Cover |
Home Insurance LimitUp to £500,000* (optional) |
Home Insurance Ultimate LimitUnlimited** (included) |
Buildings insurance tableReplacement of Sets Cover |
Home Insurance LimitNot available |
Home Insurance Ultimate LimitUnlimited** (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.
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 |
Home Insurance Limit |
Home Insurance Ultimate Limit |
|---|---|---|
Contents InsurancePrivate Residence Cover |
Home Insurance LimitUp to £75,000* (included) |
Home Insurance Ultimate LimitUnlimited** (included) |
Contents InsuranceContents in outbuildings and in the open cover |
Home Insurance LimitUp to £5,000 in Outbuildings (optional) |
Home Insurance Ultimate LimitUp to £10,000 in Outbuildings (included) |
Contents InsuranceAccidental Damage Cover |
Home Insurance LimitUp to £75,000* (optional) |
Home Insurance Ultimate LimitUnlimited** (included) |
Contents InsuranceReplacement of Sets Cover |
Home Insurance LimitNot available |
Home Insurance Ultimate LimitUnlimited** (included) |
Contents InsuranceHigh Risk Items |
Home Insurance Limit£10,000 as standard *** |
Home Insurance Ultimate Limit£10,000 as standard *** |
Contents InsurancePersonal belongings away from the home cover |
Home Insurance LimitUp to £15,000** (optional) |
Home Insurance Ultimate LimitUp to £25,000** (optional) |
Contents InsuranceStudents' Contents Away From Home Cover |
Home Insurance LimitUp to £10,000** (optional) |
Home Insurance Ultimate LimitUp to £10,000** (optional) |
Contents InsurancePedal Cycle Cover |
Home Insurance LimitUp to £10,000** (optional) |
Home Insurance Ultimate LimitUp to £10,000** (optional) |
Contents InsuranceSpecified Items Cover (individually worth over £3,000) |
Home Insurance LimitUp to £30,000** (optional) |
Home Insurance Ultimate LimitUp 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.
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:
|
Key Differences |
Renters Insurance |
Contents Insurance |
|---|---|---|
Key DifferencesCover term |
Renters InsuranceMonthly cover with no admin charges to cancel or change cover. |
Contents InsuranceYearly cover with early cancellation fee |
Key DifferencesManaging your policy |
Renters InsuranceManage your policy online. |
Contents InsuranceManage your policy over the phone. |
Key DifferencesMaking a claim |
Renters InsuranceMake claims online 24/7. |
Contents InsuranceMake claims over the phone or online. |
Key DifferencesCover limit |
Renters Insurance£10,000 simple cover in the home against fire, flood, theft and water damage. |
Contents InsuranceMinimum of £75,000 cover in the home for a large number of incidents such as fire, flood and theft. |
Key DifferencesHigh Risk Items |
Renters InsuranceOptional cover at an extra cost for selected items worldwide if you add Anywhere Cover. |
Contents Insurance£10,000 as standard *** |
Key DifferencesLiability cover |
Renters InsuranceSimple Liability Cover up to £10,000 for your landlord or neighbour’s property. |
Contents InsuranceFull Liability Cover up to £1,000,000 for a range of responsibilities. |
Key DifferencesStudents' Contents Away From Home Cover |
Renters InsuranceUp to £10,000** (optional) |
Contents InsuranceUp 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.