Our Home Insurance won’t send you round the houses. It’s simple, clear and straightforward. With two levels of cover to choose from – Home Insurance or Home Insurance Ultimate – it’s easy to get the cover you need for your building, contents or both. We also have useful guidance to help you understand home insurance and how to protect your home and belongings. And if you need to claim, our UK-based team are here to help.

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

    Why should I take out home insurance?

    Whether you live in a one-bedroom flat or a five-bedroom detached house, it's important to make sure that you have the right protection for your home and your personal belongings.

    If you own your home it’s likely that you will need to think about both buildings and contents cover. 

    Or if you rent, it’s important to think about cover for all your possessions like furniture, clothes, jewellery and gadgets, which may add up to thousands of pounds in value. Check out our useful guidance about protection for tenants and renters.

    Contents, buildings or both?

    There are two types of home insurance depending on what you need, which you can buy separately or together:

    • Contents insurance covers your belongings against incidents like theft, loss or damage.
    •  Buildings insurance covers your house itself against incidents like fire damage and flooding.
    •  Or you can take combined insurance which includes both buildings and contents cover, all under one policy.

    Home insurance with options

    We have two levels of cover to choose from, so you can pick what’s perfect for you.

    • With flexible Home Insurance, we’ll make sure the basics are covered, and you can add to your policy with a range of optional extras, like accidental damage, so you only pay for what you need. 
    • Or if you want peace of mind with more comprehensive cover as standard and some higher limits, we’ve just the thing with our 5 Star Defaqto rated cover Home Insurance Ultimate.

    Find out more about our two levels of cover

    Why choose us?

    Home insurance that gives you extra. At the Halifax, our straightforward home insurance comes with standard features to make life a little easier, like cover for your freezer contents and replacement of items that are stolen or damaged in a fire or flood.              

    Help when you need it. While you get value for money, you want service you can rely on too. That’s why you’ll have access to UK-based claims handlers, a 24-hour emergency homeline* and Personal Claims Consultants who’ll come to you if we think you need help with a complex claim.

    * Service provided by Royal & Sun and Alliance Insurance plc

    Find out more

    Limits, terms and exclusions apply to all levels of cover. See our policy booklet for full details.

    Get a quote

    Don’t go round the houses. Get a quote today and see how easy it is to tailor your cover and buy quality home insurance. It’ll take about 10 minutes.

    Get a quote now

    Sign into Online Banking to get a quote

    Retrieve a quote

    Existing customer support

    If you already have home insurance with us, you might find the following links useful.

    View your policy

    Make a claim

    Help and guidance

    Whether you’re looking for information on types of cover, guidance on protecting your home and possessions, or if you need help understanding insurance jargon, we’ve got everything you need in one place.

    FSCS protected

    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.