Home insurance can be pretty confusing. So it’s important to make sure you know what could stop you from getting your claim approved. Here’s few tips to help keep you covered.

Look after your home

 Give your home some regular TLC to help keep general wear and tear to a minimum, as this isn’t covered by insurance.

Keeping your flat roof regularly maintained, for example repairing any obvious damage quickly, will help if you ever need to make a claim for storm damage. It’s advisable to replace your flat roof around every 10 years.

Renovations and Extensions

Whether it’s exciting renovation work or small tweaks, anytime you’re having building work done, let us know so we can confirm any changes to your cover.

If you’re planning to extend your home, give us a call to let us know. That way we can make sure you have the appropriate cover in place in case the worst happens and the building is severely damaged.


 Let us know if there’s anyone living in the house, other than the usual family members. This includes any lodgers you might take on.

Did you know you should let us know if anyone in the house has any convictions? Otherwise any claims you need to make could be turned down.


 It’s worth taking the time to keep receipts for your expensive items in a safe place. If you ever need to make a claim they confirm important information which can really help speed things up.

Make sure your contents insurance covers all your extra precious items, such as engagement rings. And if you have them revalued and they’re worth more, let us know so you’re covered for the full value if you ever need to make a claim.

Business from home

 Running a business from home? Don’t assume everything’s covered under your existing policy. You might need specific business insurance to ensure you have the appropriate cover in place.

Get a quote.

We’ve made it easy for you to buy 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.

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

Get a quote onlineSign into Online BankingRetrieve 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.

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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.