Whatever life throws at you, our home insurance has you covered.

 

We only ask a handful of questions, so you’ll have a quote in no time.

  • Choose from 3 levels of cover.
  • Manage your policy and claim online.
  • Choose to spread the cost and pay monthly with no extra charges.

Get a quote now

Halifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.

Features and benefits

No hidden costs

We won't charge an admin fee if you add or remove cover from your policy.

Manage your policy online

It’s easy to manage your policy online. You can claim, renew and pay. Sign in to the app or Online Banking if you’re registered, to make managing your policy even easier.

Choose your own excess

Pay your chosen excess towards most claims – a higher excess could mean you’ll pay less for your cover.

Here when you need us

Make claims easily online or by phone. Our out of hours emergency claims helpline is available for urgent support.

Specialist support

We have Personal Claims Consultants ready to help, if we think you need extra support with a claim. They can help you take the stress out of organising everything.

Home Insurance Select has 3 levels of cover: Bronze, Silver & Gold

Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are terms, limits and exclusions. Read our policy documents (PDF, 508kB).

Read more about the policy limits (PDF, 98KB).

  • Buildings Insurance

    This covers the structure of your home and its outbuildings. This includes your roof, walls, windows and ceilings. It also includes permanent fixtures like fitted kitchens and bathrooms. It covers you for damage caused by things like fire, flood and storm, as well as subsidence and vandalism.

    buildings insurance cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Buildings

    Bronze

    Full rebuild cost

    Silver

    Full rebuild cost

    Gold

    Full rebuild cost

    Cover

    Accidental damage

    Bronze

    Not available

    Silver

    Full rebuild cost

    Gold

    Full rebuild cost

    Cover

    Plants in the garden

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Tracing & accessing a leak

    Bronze

    £5,000

    Silver

    £5,000

    Gold

    £5,000

    Cover

    Blocked drains

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    If you need somewhere else to stay (if you live at the property)

    Bronze

    £100,000

    Silver

    £100,000

    Gold

    £100,000

    Cover

    Loss of rent (if you’re a landlord)

    Bronze

    £100,000

    Silver

    Not available

    Gold

    Not available

    Cover

    Home owner’s legal responsibility

    Bronze

    £2,000,000

    Silver

    £2,000,000

    Gold

    £2,000,000

    Cover

    Damage by emergency services

    Bronze

    Full rebuild cost except trees, plants and shrubs where the limit is £1,000

    Silver

    Full rebuild cost except trees, plants and shrubs where the limit is £1,000

    Gold

    Full rebuild cost except trees, plants and shrubs where the limit is £1,000

    Contents Insurance

    This covers the things in your home you would pack up with you if you moved. These can include things like furniture, clothing, electronic goods, carpets and curtains. Cover is for damage or loss caused by things like fire, flood, storm and theft. Except for those limits marked *, the following are part of your overall contents cover limit, not in addition to it.

    contents insurance cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Contents

    Bronze

    £50,000

    Silver

    £100,000

    Gold

    £250,000

    Cover

    Accidental damage

    Bronze

    Not available

    Silver

    £100,000

    Gold

    £250,000

    Cover

    Damage to frozen food

    Bronze

    £500

    Silver

    £500

    Gold

    £500

    Cover

    Visitors’ belongings

    Bronze

    £500

    Silver

    £500

    Gold

    £500

    Cover

    If you need somewhere else to stay

    Bronze

    £25,000*

    Silver

    £25,000*

    Gold

    £25,000*

    Cover

    Money

    Bronze

    £500

    Silver

    £500

    Gold

    £500

    Cover

    Documents

    Bronze

    £2,500

    Silver

    £2,500

    Gold

    £2,500

    Cover

    Contents in outbuildings

    Bronze

    £5,000

    Silver

    £5,000

    Gold

    £5,000

    Cover

    Contents in the open

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Trees & plants

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Metered water

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    Cover

    Personal legal responsibility

    Bronze

    £2,000,000*

    Silver

    £2,000,000*

    Gold

    £2,000,000*

    Cover

    Employer’s responsibility for domestic staff

    Bronze

    £10,000,000*

    Silver

    £10,000,000*

    Gold

    £10,000,000*

    Cover

    Protection for tenants

    Bronze

    £10,000*

    Silver

    £10,000*

    Gold

    £10,000*

    Cover

    Tenant’s home improvements

    Bronze

    £5,000*

    Silver

    £5,000*

    Gold

    £5,000*

    Cover

    Damage by emergency services

    Bronze

    Contents sum insured except trees, plants and shrubs where the limit is £1,000

    Silver

    Contents sum insured except trees, plants and shrubs where the limit is £1,000

    Gold

    Contents sum insured except trees, plants and shrubs where the limit is £1,000

    Specified items cover

    We need to know about items worth more than £2,000 each. For example, items such as laptops, TVs, jewellery or bikes. You don’t need to tell us about home appliances, and furniture that isn’t antique.

    You can choose to cover any specified items in the home, or both in and away from the home.

    There’s a £40,000 limit for each specified item and a £100,000 limit in total. 

Additional features and optional extras we offer:

The level of cover you need will be individual to you. You can see below what's included with our Bronze, Silver and Gold cover and what optional cover you can add to meet your needs.

  • Covers you for accidental damage to your home and the things in it.

    So if a football smashes your window or a drink spills on your carpet, we’ll pay to repair the damage or replace your things.

    More about accidental damage cover

  • Protects the things you have with you when you leave the house, like your phone, jewellery or bike. If you have any specified items, you can also choose to cover these away from home.

    You’re covered if they’re lost or stolen, or accidentally damaged if you have this cover.  It also includes cover for students’ contents while they’re temporarily living away from home to study.

    Away from home cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Items lost or stolen away from home

    Bronze

    Choose from £1,000 to £25,000

    Silver

    Choose from £1,000 to £25,000

    Gold

    Choose from £1,000 to £25,000

    Cover

    Including accidental damage cover

    Bronze

    Not available

    Silver

    Included up to your chosen limit for Away from home cover.

    Gold

    Included up to your chosen limit for Away from home cover.

    Cover

    Including students' contents

    Bronze

    Up to £5,000 or your chosen limit for Away from home cover if it's less.

    Silver

    Up to £5,000 or your chosen limit for Away from home cover if it's less.

    Gold

    Up to £5,000 or your chosen limit for Away from home cover if it's less.

    More about away from home cover

  • This provides cover up to £50,000 in case you need legal support from an expert. You also have access to a 24/7 helpline for legal advice. And you're covered for things like contract, employment and neighbour disputes, as well as personal injury and clinical negligence.

    Administered by Arc Legal Assistance Limited, and underwritten by Royal & Sun Alliance Insurance Ltd.

    legal expenses cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Legal expenses

    Bronze

    Not available

    Silver

    £50,000

    Gold

    £50,000

    More about Legal Expenses cover

  • This covers you for emergency repairs, which wouldn't normally be covered by your home insurance. There's a 24/7 helpline, so if your boiler breaks down or your power fails, you can get help fast. It pays for repairs up to £1,000 a time. And there's no excess to pay.

    Underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

    home emergency cover table

    Cover

    Bronze

    Silver

    Gold

    Cover

    Home emergency

    Bronze

    £1,000

    Silver

    £1,000

    Gold

    £1,000

    You’re covered for emergency repairs. This includes the call-out costs, work and new parts. Call the 24-hour emergency helpline and an approved tradesperson will come out and take action to resolve the emergency. This includes emergency repairs to your heating, plumbing & electrics, roofing, windows, doors and locks to secure your home.

    More about home emergency cover

To read more on what’s covered and what isn’t, read our policy booklet [PDF 508 KB].

Why choose Halifax home insurance?

Get peace of mind when you take out Home Insurance with us.

Here's the level of service you can expect:

  • UK-based call centres.
  • 24hr emergency helpline.
  • Personal Claims Consultants, who will come to you if we think you need help with a claim.
  • Get same day claims payments into your Halifax current account.
  • Our managed claims service can organise most repairs to your home; we’ll get trusted tradespeople to carry out work.

Useful information to have to hand

Before you start, make sure you have the following information to hand:

  • Details of any home insurance claim made in the last three years by you or anyone living with you.
  • When you would like your policy to start.

Ready to get a quote?

Get a home insurance quote

Choose to spread the cost and pay monthly with no extra charges.

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Get a quote over the phone

If you would prefer to get a Home Insurance quote over the phone, we're here to help. We'll answer any questions you may have about our products and services, to make sure that you get the right level of cover to protect your home and possessions.

Call us on 0345 982 5347

Lines are open Mon to Fri 8am - 6pm and Sat 9am - 1pm. (Times may vary on public holidays).

Pick up where you left off!

Retrieve your recent quote.

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Halifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.

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.