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.

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

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)

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)

*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 (e.g. alternative accommodation).

** There are elements of cover which are subject to lower limits (eg. alternative accommodation).

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

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

£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)

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


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)

*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


Get Building and Contents Insurance from £151*

We’ve made it easy for you to buy great value home insurance. Compare our two levels of cover side by side when you get a quote.

Get a quote online Retrieve a quote

*Prices from £151, based on 33% of customers paying this price or less for combined policies bought online between 1st May 2019 to 2nd August 2019. Price based on standard cover and excludes optional extras. Prices may be higher over the phone. 


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.