Busting the biggest myths about home contents insurance

    Home contents insurance is one of the most common forms of insurance – and often the one that people get the most confused by. Unlike, say, car insurance, it’s not required by law, but if you want to protect yourself and your family – and avoid a potential financial nightmare should disaster strike – it’s worth taking a moment to clear up some of those common misconceptions about your coverage.

    Our Home Insurance is underwritten by Lloyds Bank General Insurance Limited.

    1. “It’s expensive and just isn’t worth it”
      - Your household valuables probably add up to a lot more than you think – the average family home in the UK has more than £55,000* worth! That’s a lot of money to come up with if you’re hit by a disaster like a fire, theft or flood.
      - With prices starting from as little as £59 per year** with Halifax – that’s less than the cost of a high street coffee each week – protecting yourself could be a lot more affordable than you think.
      - Get a great deal that meets your needs.
    2. “It’s too hard to make a claim”
      - Making a claim may be easier than you think. One of our UK-based Claims Handlers will run through everything with you on the phone. And if your claim is complex and we feel you need extra support, we’ll arrange a Personal Claims Consultant to look after your case.
      - Get in touch with us.
    3. “I’m already covered”
      - Some people think they’re covered whensometimes they aren’t – renters often assume the landlord has sorted it, while flat owners believe cover will be organised by the person who owns the building. But generally the legal responsibility of the landlord and freeholder only stretches to the building and permanent fixtures, meaning it’s up to you to cover your own possessions against loss or damage.
      - Arrange your cover.
    4. “It will never happen to me”
      - No one wants to imagine the worst will happen, but the fact is that each year, property insurers settle home contents claims for thousands of customers. Rather than leave it to chance, you can arrange cover to meet your needs through Halifax.
      - Arrange your cover.
    5. “I’ve lost my receipts and won’t be able to claim”
      - It’s always best to keep receipts for big-ticket items in case you need to make a claim for anything that’s stolen or damaged. But that doesn’t necessarily mean your claim can’t be fully or partially completed without all the receipts.
      - Make sure you keep an updated record, along with photos, of your valuables.
      - Here are our tips to help you stay covered.

    What you can get with our contents cover

    With Halifax you can arrange high-quality, affordable cover that can be tailored to suit you.

    Our standard home insurance policy offers cover for most high-risk items in your home – usually stuff that’s easy to steal or damage, and expensive to replace. This includes things like computers, TVs, cameras and other electronic gadgets that you can itemise in your cover.

    Plus there’s a range of additional cover options you can add to your policy, including:

    •  Gardening tools, furniture and outbuildings
    •  Pedal cycles – both in and outside your home
    • Personal belongings when you’re abroad (for up to 60 days)

    Your cover explained.

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    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.

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