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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 Insurance covers the structure of your home and your belongings. Home or House insurance can help protect you from unexpected events like fire, storm, floods and theft. It will also be there to provide cover against more everyday accidents like escape of water. There are two components to Home Insurance: Buildings Insurance and Contents Insurance. 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 should it be damaged or destroyed. It includes your outbuildings, fixtures and fittings, patios and sheds.

Contents Insurance covers your belongings within the home like clothes, furniture, curtains and kitchen appliances - everything you'd take with you if you moved to a new house.

Choosing the right level of cover

We offer two different Household Insurance policies, Gold and Silver, so you can choose the level of cover that suits your needs.

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 protections 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.

Get a quote for Home Insurance.  


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.

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.

Contact Us

Gold or Silver

If you have a policy number starting with
DU HHS please call:

0370 060 0227

Lines are open:

8am to 8pm Monday to Thursday
8am to 6pm Friday
9am to 1pm Saturday

We may record and monitor calls.

Call us on

0370 900 5565

Lines are open:
8am to 8pm Monday to Friday
9am to 1pm Saturday
24 hours for emergencies.

Call charges may vary.

We may record and monitor calls.

Call us on

0800 027 7161

Lines are open:
8am to 8pm Monday to Thursday
8am to 6pm Friday
9am to 5pm Saturday

We may record and monitor calls.

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