AT A GLANCE
Category Home Application type Online application Cover start date Confirmed after acceptance Typical decision Instant or manual review Payment options Monthly or annual
WHAT IT IS
About Home Insurance
Buildings and contents protection designed to help repair, rebuild or replace the things that make your home yours.
WHO IT IS FOR
Is this right for you?
✓ Homeowners who want buildings protection ✓ Families protecting everyday belongings ✓ Mortgage holders who need suitable cover ✓ Anyone wanting joined-up buildings and contents insurance
WHAT IT MAY COVER
Typical cover included
Subject to policy terms and conditions. Not all items are included on all plan levels.
✓ Buildings cover for fire, flood and storm damage ✓ Contents cover for theft or accidental damage ✓ Alternative accommodation after an insured event ✓ Replacement of damaged household essentials ✓ Optional accidental damage protection ✓ Personal belongings cover away from home
Ready to apply?
Start your application and we’ll guide you through the next steps. Cover does not begin until your application is accepted and confirmed.
Start your application
KEY BENEFITS
✓ Buildings and contents options in one policy ✓ Clear limits and excesses before you apply ✓ UK-based support when you need to claim ✓ Flexible monthly or annual payment options
WHAT MAY NOT BE COVERED
Common exclusions
• General wear and tear or poor maintenance • Damage that happened before the policy began • Unoccupied properties beyond the policy limit • High-value items not declared on the policy • Deliberate damage or illegal activity
HOW COVER WORKS
What to expect when you apply
01 Tell us about your home — Share details about the property, occupants and cover needed. 02 Review your options — Check limits, excesses and optional protection. 03 Apply and confirm — Complete your application before cover begins.
FAQS
What does buildings insurance cover?
Can I include accidental damage?
Are personal belongings covered away from home?
How do I calculate the value of my contents?
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