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.

Halifax Home Insurance - Father and son baking

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.

** 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

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


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

Contents Insurance

Cover term

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

Yearly cover with early cancellation fee

Managing your policy

Manage your policy online.

Manage your policy over the phone.

Making a claim

Make claims online 24/7.

Make claims over the phone or online.

Cover limit

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

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

High Risk Items

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

£10,000 as standard ***

Liability cover

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

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

Students' Contents Away From Home Cover

Up to £10,000** (optional)

Up to £10,000** (optional)

Get a Renters Insurance quote

Get a Contents Insurance quote

Cover term


Renters Insurance

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

Contents Insurance

Yearly cover with early cancellation fee

Managing your policy


Renters Insurance

Manage your policy online.

Contents Insurance

Manage your policy over the phone.

Making a claim


Renters Insurance

Make claims online 24/7.

Contents Insurance

Make claims over the phone or online.

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.

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 ***

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.

Students' Contents Away From Home Cover


Renters Insurance

Up to £10,000** (optional)

Contents Insurance

Up to £10,000** (optional)


Renters Insurance

Contents Insurance


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.