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Home Insurance
Protect your home and everything in it with the right cover.
Buildings & contents insurance helps safeguard your property and possessions, ensuring you’re not left out of pocket if the unexpected happens.
Caveat
Insurance, made simple.
What's Covered
With the right home insurance, you can focus on living your life safely, knowing that both your property and possessions are protected.
Buildings insurance
Protects the structure of your home, including walls, roof, floors and permanent fixtures, against unexpected damage
Fire and flood damage
Storm and weather damage
Theft and vandalism
Accidental damage (optional)
Contents insurance
Covers the belongings inside your home, so you can replace what matters most if the worst happens
Fire and flood damage
Storm and weather damage
Theft and vandalism
Accidental damage (optional)
Why Do You Need Home Insurance?
Home insurance protects your most valuable asset and gives you peace of mind, knowing that if the unexpected happens, you and your loved ones are covered.
It helps you:
Meet mortgage requirements: your lender will require evidence of buildings insurance
Protect your home by covering rebuilding costs, not just market value
Plan for the unexpected, including alternative accommodation if your home is uninhabitable
Tailor your cover with flexible options to suit your needs
Feel secure knowing you can focus on what matters most: your family and your home
Home Insurance FAQs
What is home insurance?
Home insurance provides cover for damage to your property and belongings, typically through buildings and contents policies.
Is home insurance required for a mortgage?
Building insurance is usually required by lenders as a condition of the mortgage.
Do I need life insurance for a mortgage?
No, it is not compulsory. But it is highly recommended to protect your family and home.
How much home insurance do I need?
Buildings insurance should cover the full rebuild cost, not the market value. This is typically £100,000 to £300,000 or more, depending on property size and type. Contents insurance should cover the replacement value of all your belongings. Most people underinsure, so it is important to calculate accurately.
What is not usually covered by home insurance?
Common exclusions include general wear and tear, damage resulting from lack of maintenance, damage caused by pets, certain types of flooding without specific cover, subsidence in some areas, and valuable items above single-item limits unless specifically declared.
Does home insurance cover accidental damage?
Can I change my home insurance provider at any time?
Policies usually run annually, but switching mid-term may involve cancellation fees.
Protect Your Home Today
Talk to our protection specialists about home insurance