Home Insurance Essentials.

Pay less with home insurance essentials

Cover the basics - the important essentials like fire, flood and theft. We will cover your home and its contents against loss or damage from a wide variety of causes.

Compare Essentials and Extra buildings and contents cover

 

Our essentials cover summary

FEATURE	ESSENTIALS COVER
BUILDINGS COVER	Sum insured will be estimated, but can be increased
Minimum compulsory excess	£150
Alternative accommodation	£25,000
Damage to buildings	✓ (Including, but not limited to storm, flood, fire, smoke, earthquake)
Escape of water and leakage of oil	✓
Extended accidental damage for buildings	Additional cover option
CONTENTS COVER	Sum insured will be estimated, but can be increased
Minimum compulsory excess	£150
High risk items	Up to 20% of your contents sum insured
High risk single item limit	Up to 5% of your contents sum insured (a minimum of £2,000)
Visitors personal effects	X
Theft from outbuildings	£1,000
Accidental damage for contents - to TV's, computers and stereos. Includes accidental breakage of mirrors and fixed glass in furniture.	Additional cover option
Extended accidental damage for contents - like spilling red wine on your carpet.

Important information

Please note that our home insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.

These examples are only a brief list of your cover and exclusions. For more details of what is and isn’t covered, please read our home insurance essentials policy summary (PDF: 719KB) and our home insurance extra policy summary (PDF: 1.71MB). For full details please read our home insurance essentials policy document (PDF: 1.1MB) and our home insurance extra policy document (PDF: 1.16MB).

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