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Home insurance protects your home and its belongings. It can cover the cost of repairing or rebuilding your home if it's damaged by things like fire, storm or flood. And it can cover the cost of replacing the things in your home if they're stolen, or repairing or replacing them if they're damaged.
There are three main types of home insurance:
Home insurance helps cover the cost if something happens to your home or belongings. You pay us an amount each month or once a year, so if something goes wrong, we might be able to help put it right. The amount you pay will depend on the level of cover you need:
Home insurance isn’t for things like the upkeep of your home or for routine decorating. It’s also not there to cover you for ‘wear and tear’.
Home insurance is made up of Buildings and Contents cover. If you own your home, it can be a good idea to have both types of cover as a combined policy, so you know everything is covered in one place.
Limits, terms and exclusion apply to all home insurance policies. It’s important that you check your policy documents to see what is and isn’t covered.
The kind of cover you need depends on whether you own or rent your home:
How much your home insurance costs depends on lots of factors. For example, if you live near a river that floods often, or there are lots of burglaries In your area you home insurance could cost more. The following are things we take into account when calculating your home insurance costs and how much you need to pay:
No, most standard home insurance policies do not cover rising damp. This would be considered general wear and tear.
Garages and sheds are sometimes included by Buildings Insurance. But you may need extra cover if they are not attached to your home. With Halifax Home Insurance Select, outbuildings are covered as standard.
A claim will stay on record for up to 15 years after the policy has been cancelled.
Yes, new builds can be cheaper to insure. New build homes have modern windows and doors which can make them more secure.