COMPARE HOME INSURANCE.

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

We offer two levels of cover:

Halifax Home Insurance - a tailored, flexible offering
Halifax Home Insurance Ultimate - a more inclusive offering where additional cover is included as standard, with higher limits in key cover areas.

Want to find out more about what is home insurance?

Here's a summary of what our home insurance policies cover. Take a look at the policy documents for full details of limits and exclusions.

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

Up to £500,000* (included)

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

Up to £500,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

> What is buildings insurance?

*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).


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’ 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

Up to £75,000* (included)

Unlimited** (included)

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

Up to £75,000* (included)

Home Insurance Ultimate Limit

Unlimited** (included)

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)

> What is contents insurance?

*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 (eg. Alternative accommodation).

Limits, terms and exclusions apply, see our policy booklet for full details.


Get a quote.

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.

  • £50 cashback when you buy a new combined buildings and contents policy, hold it for 70 days and pay your first premium. Conditions apply.
  • 10% discount if you’re a Halifax Online Banking customer. Simply sign in, get a quote and buy through Online Banking. Your discount is applied to our standard online price and excludes Home Emergency and Legal Expenses cover. Minimum premiums apply if you make a change to your premium during the year.

The two offers can be taken together.

Get a quote online Sign into Online Banking Retrieve a quote

Or call for a quote on 0800 085 6844. Lines open Mon to Fri 8am – 8pm and Sat 8am – 4pm. (Times may vary on public holidays).


Calls will be recorded and may be monitored for training and/or quality purposes.