Our Standard and Premier Home Insurance will protect your home should the worst happen.

We use publicly available data sources to give you an accurate quote. Sound too good to be true? It’s not. 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?

It protects your property and belongings from unexpected events like escape of water, fire, storm, floods and theft. It’s designed to cover you against the cost of repair, rebuilding or replacement.

Our Ratings

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

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

What's the difference between Buildings and Contents Insurance?

Buildings Insurance covers the costs of repairing or rebuilding your home and its permanent fixtures and fittings, including 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.

We offer two policies; our Premier policy provides a more comprehensive level of cover and our Standard policy will provide less cover, but at a lower price.

For an additional premium, you can personalise the level of cover to suit your needs. Choose from a range of Additional Cover Options like Bicycle cover, Cover Away from the Home and Valuable items cover, which are available on both of our policies.

Overview of our Home Insurance

Some of the key features and cover limits can be found in the table. They don't include all the benefits, exclusions and limitations.

Premier Standard
Buildings sum insured

Up to £1 million

Up to £1 million

Contents sum insured

Up to £60,000 or £80,000

Up to £60,000 or £80,000

Home Emergency Cover

Included (for homeowners)

Optional (for homeowners)

Accidental damage



Family Legal Protection



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 to pay on each claim. You’ll find full details in the Insurance Product Information Documents and Policy Booklets in the Key Documents section.

Our Home Insurance is Underwritten by Fairmead Insurance Limited, part of the Liverpool Victoria General Insurance Group.




Need some further help? Find out answers to some of our most common questions about our Premier and Standard Home Insurance.

Getting the right cover

Renewing my policy

Buying Home Insurance