We understand how distressing it can be if you suffer loss or damage to your home, and our home insurance is designed to protect the items you love and would need to replace. 

While we'll be here to help if anything goes wrong, we also know that there are safety measures you can take to reduce the risk of common mishaps. 

Always be cautious when undertaking any task that you're not fully familiar with as you could injure yourself or those around you, seek professional help where required.

So how can you best protect your home?

Get advice for big DIY projects


If you're thinking of taking on a large DIY project, think about whether it's worth getting advice or help from a builder for the really big jobs. You may run out of time after starting a project or find it more challenging than you expected. 

It's a good idea to research it thoroughly before you start, making sure you know exactly what skills and tools you'll need, and how long it's likely to take. 

Take extra care using power tools and if you don't have a circuit breaker built into your fuse box, consider buying one which you can plug in. A RCD costs from just £10 and could save your life. 

Protect your home against floods


We've produced some practical tips to help you both before and after flood damage to your property. 

You can keep up to date with information from the Environment Flood Agency, and find out if your property is at risk from flooding by using the Environment Agency's flood map.

Find out more about protecting against floods.

Storms and extreme weather


Our Home insurance policies cover damage caused by severe weather. We've put some tips together to help you prepare.

It’s a good idea to make sure your home is maintained and in good order throughout the year, but it's particularly important in winter. Make sure drains are clear of leaves and debris, and check on any trees near your property which might be unstable.

You can check chimneys and roof slates with binoculars to check they are sound.

Find out more about storms and extreme weather.

Burst and frozen pipes


Some of the most common claims we receive involve incidents caused by escape of water in the home.

Water can cause large amounts of damage, not just to furnishings but to the structure of your home including ceilings and floors.

You can ensure pipes are lagged and properly insulated and protected from cold weather. Follow our Home insurance guide on burst and frozen pipes to help keep your home safe.

Find out more about burst and frozen pipes.



We want to help you prevent incidents before they happen. Read our tips on how to prevent leaks around the home.

Make sure you replace any old water tanks or reservoirs which might leak. Knowing where to turn off your water supply is also very important. Consider using a qualified plumber for large jobs or technical jobs.

Follow our do's and don'ts to help keep your home safe.

Find out more.



Every year thousands of people make insurance claims relating to fire, so we've put together some helpful hints to help reduce the risk of a fire happening in your home.

Fitting a smoke alarm and C02 detector will keep your home and family safe. You can wire it to your electricity supply, so that you don’t need to worry about replacing batteries.

Fire starts easily and can spread quickly. Advice from the the government is don't tackle fires yourself, leave it to the professionals*.


Find out more about fire safety.



Good security reduces the risk of your home being burgled. Consider how a burglar may gain entry to your home, garage and outbuildings (such as a shed) and what you can do to prevent this.

Simple measures like ensuring your back door is locked and that windows are secured, will discourage casual burglars. Fitting deadlocks or bolts which are operated by a key on external doors and windows will help to keep burglars out.

Consider changing the locks on your front and back doors and to your garage and outbuildings, when you move house. You don’t know who has a spare set of keys – the owners may have given a set to a friend and forgotten to ask for them to be returned. Look for the British Standard Kite Mark when you're buying new locks.

Find out more about protecting against theft.

While you can take measures to protect your home and belongings, accidents and damage can still happen so it makes sense think about Home Insurance. Find out more about our Home insurance products or get a quote online.

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