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Your cover explained

We recognise that everyone’s home insurance needs are different. That’s why we offer two levels of cover for you to choose from.

Halifax Home Insurance – a tailored, flexible offering, and Halifax Home Insurance Ultimate – a more inclusive offering where additional cover and higher limits are included as standard.

Here’s a full list of cover we offer including additional help and guidance. Select a section to skip to an overview:

Home insurance policy booklet

Learn about your policy, extra cover, useful numbers and how to claim.

Private residence cover

Buildings insurance

This covers the private residence including integral and attached garages and conservatories, gates, fences, paths, driveways and patios. This also includes: 

  • replacement locks and keys
  • alternative accommodation if your home becomes uninhabitable
  • accidental damage to underground services
  • trace and access and emergency access cover in the home perimeter
  • property owner's liability

For more details see Buildings - Private residence cover in the policy booklet (PDF)

Contents insurance

This covers contents in the private residence including contents in integral or attached garages and attached conservatories. This also includes:

  • replacement locks and keys, freezer contents, visitors’ belongings, clerical business equipment, money and cards
  • alternative accommodation if your home becomes uninhabitable
  • occupier’s and public liability cover.

For more details see Contents - Private residence cover in the policy booklet (PDF).

Please note: to check what cover you’ve chosen, see your policy schedule.

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Replacement of sets cover (available with Home Insurance Ultimate)

Buildings insurance - Replacement of sets cover is only available with Home Insurance Ultimate

Where there is a valid claim, this covers the changing or replacement of any associated undamaged items that form part of a matching set or suite that is lost or damaged where a reasonable match cannot be obtained. By ‘reasonable match’ we mean this may be similar but not an exact match. This includes for example:

  • replacing undamaged kitchen units because their matching units are damaged; or
  • replacing an undamaged bath because a broken toilet cannot be matched.

Read more about Buildings - Replacement of sets cover in the policy booklet (PDF).

Contents insurance - Replacement of sets cover is only available with Home Insurance Ultimate

Where there is a valid claim, this covers the changing or replacement of any undamaged item that forms part of a matching set or suite that is lost or damaged where a reasonable match cannot be obtained. By ‘reasonable match’ we mean this may be similar but not an exact match. This includes for example:

  • replacing an undamaged sofa because a matching armchair is damaged.

Read more about Contents - Replacement of sets cover in the policy booklet (PDF).

Please note: to check what cover you’ve chosen, see your policy schedule.

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Accidental damage cover

Buildings insurance

This covers damage caused accidentally. This has to be caused by a sudden unintentional and unexpected one off incident. This includes for example:

  • football smashing a window
  • DIY accidents
  • slipping in the bath causing it to crack
  • snapping a key in the lock.

Read more about Buildings - Accidental damage cover in the policy booklet (PDF).

Contents insurance

This includes for example:

  • spilling wine on a carpet
  • snapping a key in a lock
  • knocking over and damaging a TV.

Read more about Contents – Accidental damage cover in the policy booklet (PDF).

Please note: to check what cover you’ve chosen, see your policy schedule.

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Outbuildings cover

Buildings insurance

This covers structures detached from your private residence. This includes for example:

  • sheds
  • summer houses
  • garages.

Read more about Outbuildings cover in the policy booklet (PDF).

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Pedal cycle cover

Contents insurance

This covers loss or damage including accidental damage to pedal cycles. This includes:

  • cover when the pedal cycles are in your home
  • cover for pedal cycles within the boundary of your home
  • cover for pedal cycles temporarily away from your home.

Read more about Pedal cycle cover in the policy booklet (PDF).

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Contents in outbuildings and in the open cover

Contents insurance

This covers contents in detached outbuildings. Such as:

  • clothes
  • BBQ’s
  • tools
  • gardening equipment
  • lawnmowers
  • freezer contents
  • domestic fuel and water.

This also covers contents in the open within the boundaries of your home. Such as:

  • garden furniture
  • ornaments
  • pot plants.

Read more about Contents in outbuildings and in the open cover in the policy booklet (PDF).

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Students' content away from home cover

Contents insurance

This covers students' contents away from home. Such as:

  • contents and personal belongings away at university halls of residence or rented student accommodation
  • accidental damage.

Read more about Students' contents away from home cover in the policy booklet (PDF).

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Personal belongings away from the home cover

Contents insurance

This cover is for items carried or worn outside the home (individually worth no more than £3,000), such as:

  • jewellery
  • spectacles
  • watches
  • laptops
  • tablets
  • mobile phones
  • money and/or cash cards

Read more about Personal belongings away from home cover in the policy booklet (PDF).

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High risk items

Contents insurance

High risk items include items such as:

  • televisions
  • computers
  • photographic equipment
  • jewellery.

Read more about High Risk Items cover in the policy booklet (PDF).

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Specified items cover

Contents insurance

Specified items covers:

  • personal belongings or high risk items worth over £3000 that you have specifically named on your policy. This cover is available inside and/or outside the home.

Read more about Specified items cover in the policy booklet (PDF).

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Legal expenses cover

This covers legal costs and expenses for insured incidents. This includes:

  • employment and contract disputes
  • personal injury cases
  • clinical negligence
  • jury service and civil cases relating to your personal possessions.

Read more about Legal expenses cover in the policy booklet (PDF).

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Help and guidance

We have some useful hints tips to keep your protecting your home and your belongings, plus useful advice for emergencies. You can also view our home insurance frequently asked questions.

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.