House Insurance Cover

Select your type of Home Insurance Cover

With us, it's simple – we supply secure policies that guarantee peace of mind in your time of need. You can even tailor a policy to suit your needs. Choose from:

• Buildings Insurance only
• Home Contents Insurance only
• Buildings & Contents Insurance
• Personal possessions cover

(All include flexible payment plans)

Buildings - This covers:

• The structure of your home including any gates, hedges and walls.
• Structures within the boundaries of your home such as garages and sheds.
• All permanent fixtures and fittings such as kitchen units, fitted wardrobes and bathroom suites.
• You are covered against fire, storm or flood, theft, malicious damage, vandalism, subsidence and escape of water.

This also includes:

• Free replacement of locks if your keys are stolen - up to £500.
• Accidental damage to glass and sanitary ware.
• Up to 20% of the buildings sum insured to pay for the cost of alternative accommodation if the home cannot be lived in because of loss or damage.

Optional Accidental Damage Cover

For extra peace of mind, you can add the accidental damage option to your buildings cover. This will cover accidental damage to your property (for example drilling through a pipe or putting your foot through the ceiling while in the loft).

Contents - This covers:

• All household goods.
• Valuables – although you will need to tell us about individual items over a certain value.
• Money in the home including unauthorised use of any cards - up to £250.
• You are covered against fire, storm or flood, theft, malicious persons or vandals, subsidence and escape of water.

This also includes:

• Accidental damage to any home entertainment equipment, for example: TVs, DVD players, Hi-Fis and home computers.
• Accidental breakage of mirrors and fixed glass in furniture
• Freezer contents - up to £500
• Contents in the garden - up to £500

Only items within the household are insured. If you want cover outside the home, you will need Personal Possessions cover.

Optional Accidental Damage Cover

For extra peace of mind, you can choose to add Accidental Damage cover to your contents cover. This will cover any accidental damage to, for example, your carpets, curtains, furniture, and so on. It would also cover mishaps such as knocking over an ornament or vase.

Optional Personal Possessions Cover

This covers your personal belongings (including pedal cycles), money and valuables away from the home. We'll even cover them anywhere in the world for up to 60 days a year.

Family Legal Protection

We also include Family Legal Protection which gives you up to £50,000 of legal expenses for events insured under this section of the policy.

Domestic Homecare

We include Domestic Homecare in all our home insurance policies. This product covers you if you have a home emergency e.g. a burst pipe. We’ll find the nearest available tradesman to visit your home and carry out any emergency repairs. You are covered for up to £150 per claim and there’s no excess to pay.

Policy terms, conditions and exclusions apply to all of the above. These can be found in the policy wording.

The best way to make sure you have all the cover you need is to work your way through each room making a list of what you own. If you do it properly, you'll be surprised at how many valuable possessions you've collected.