Skip to main content

Making Home Insurance Easier

Introducing SmartQuote – an innovative new tool that makes getting Home Insurance quick and easy. We use publicly available data sources to give you a quote. So you don't have to worry about answering tricky questions such as when your home was built and what type of locks you have. We understand that your time, just like your home, is valuable.

Worried we might not have the right information about your property? You don't need to be. As long as the information you provide is accurate, then you can make a claim with us in the usual way.

What is Home Insurance?

Home or House insurance can help protect you from unexpected events like escape of water, fire, storm, floods and theft. There are two types of Home Insurance: Buildings Insurance, if you need to protect the structure of your home and Contents Insurance, if you need cover for your belongings. Your policy can include both or you can choose to take either one out separately:

Buildings Insurance covers the costs of repairing or rebuilding the structure of your home and its permanent fixtures and fittings should it be damaged or destroyed. It includes your garages and domestic outbuildings within the boundaries of your land.

Contents Insurance covers your household goods and personal belongings like clothes, furniture, curtains and kitchen appliances in the home (including contents inside garages within the boundaries of your land) - everything you'd take with you if you moved to a new house.

Choosing the right level of cover

Our Gold and Silver Home Insurance policies allow you to combine both Buildings and Contents cover so you can protect both the structure of your home and your belongings.

Gold Home Insurance provides a comprehensive level of cover for a wide range of events. It includes Accidental Damage and Home Emergency Cover* as standard. With the option to add Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection.

Silver Home Insurance provides a lower level of cover, but still includes important protection against events like fire, flood, storms, subsidence, escape of water and theft. You can choose to add additional cover like Accidental Damage, Home Emergency Cover*, Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection.

For answers to some of our most common questions visit our Frequently Asked Questions section

Buildings & Contents Insurance

All your Home Insurance needs under one policy

With two levels of cover, you can choose Home Insurance that best suits your needs.

We offer Buildings Insurance and Contents Insurance separately too

Additional Cover

  • Accidental Damage is covered as standard with our Gold cover, but you can add this to your Silver cover
  • Cover away from the home, Valuable items cover and Bicycle cover
  • Up to £50,000 of Family Legal Protection

Buildings Insurance

Includes cover for loss or damage from many causes such as, fire, explosion, lightning, storm, flood, theft and escape of water.

You can also benefit from combined protection when you take out Buildings and Contents Insurance.

Contents Insurance

Includes cover for your household goods and personal belongings from causes such as fire, storm, flood and theft.

You can also benefit from combined protection when you take out Buildings and Contents Insurance.

Important information

Every insurance policy, including ours, will have limitations and exclusions. So it's vital that you check what's included before you purchase. For example, we don't cover maintenance, wear or tear or damage that happens gradually over a period of time, such as damp or rot. There’s also an excess on each claim. Please read the Key Documents carefully before you buy.

*Tenants are not eligible for Home Emergency cover.

Key Documents

Gold Insurance Product Information  PDF: 113KB  

Home Insurance Gold Policy Summary  PDF: 197KB  

Home Insurance Gold Policy Booklet  PDF: 244KB  

Silver Insurance Product Information  PDF: 112KB  

Home Insurance Silver Policy Summary  PDF: 213KB  

Home Insurance Silver Policy Booklet  PDF: 317KB  

About Us, Our Terms and Services  PDF: 52KB  

Get a quote for Home Insurance.  

Consumer Intelligence  

Retrieve A Quote

Have you recently got a quote from us? It's quick and easy to retrieve your quote, you'll need your quote reference number, your postcode and your date of birth.

Defaqto 5 Star Rating for Home Insurance  

Our Home Insurance Gold has been independently rated 5 Stars by Defaqto.

Defaqto 2 Star Rating for Home Insurance  

Our Home Insurance Silver has been independently rated 2 Stars by Defaqto.

Moneyfacts Consumer Awards Two Times Winner  

Why Choose us?

  • We've been insuring homes for over 90 years
  • We insure over a million homes
  • No interest charge when you pay monthly
  • UK based call centres and a claims line open 24/7 365 days a year
  • A personal claims manager will help manage your claim from start to finish

Articles and Guides

  • Get more information about Home insurance from our range of articles and guides.
  • We've also developed some useful hints and tips for your home, designed to help you with a range of different matters.

Find out more

Your recently viewed items.

You might also be interested in.

Life insurance

Help protect your loved ones financially with life insurance from only £6 a month.

Pet Insurance

Because we love our pets.

Your browser does not have JavaScript enabled and therefore may not display all features of this and other websites.