Yellow front door of white brick house with black railings on either side

Standard Home Insurance

Cover that's more than bricks and mortar

It’s our job to help ensure your home and most valuable possessions are protected.

There is no place like home, that's why Home and Lifestyle Insurance provides one of the most comprehensive policies in the market, as indicated by a Defaqto 5 Star Rating.

As well as protection of buildings and contents, the option of adding Travel and Personal Belongings Insurance means you can be covered outside of the home too.

As a Which? Recommended Provider of Home Insurance, whatever you are looking to protect you can rely on us:

  • 300 offices offering a local personal service
  • No quibble claims
  • No admin fees for changes to your policy and no charges on Direct Debit payments

   

Cover for what matters most, as standard

  • Alternative accommodation cover - we'll pay the cost of alternative accommodation for you, your family, and domestic pets, if your home can't be lived in, up to £75,000 or 25% of the insured rebuild cost, whichever is more
  • Personal legal expenses up to £50,000 to provide you or your family with advice and help with the cost of legal representation - including a 24 hour advice helpline.
  • 3 year warranty against the quality of workmanship for building repair works to insured damage carried out by our approved contractors*
  • Automatic increase of your contents sum insured by 10% or £5,000, whichever is the most, a month before and a month after a special event
  • Up to £10,000 towards finding the source of leaking water or oil used in central heating
  • Damage to contents in your garden up to £5,000. Trees, shrubs and plants up to £2,000 in total and up to £250 for any single item.

Enhance your cover inside and outside the home

  • Our Home Emergency Cover extension is available for £27.50 per year, protecting you against seven domestic emergencies, up to £1,000 per claim.

  • Personal Belongings Insurance, Product Information Document [PDF: 76KB], for contents away from the home, including jewellery, watches and pedal cycles, is available as an optional cover that you pay for.
  • Cover for accidental damage of your buildings and contents is available an optional cover that you pay for.

Holiday Accommodation Insurance, Product Information Document [PDF: 75KB]specifically designed for people who let their homes to paying guests, is available as an extension to Home and Lifestyle Insurance. 

Personal Accident Insurance, Product Information Document [PDF: 75KB], and Boat Insurance, Product Information Document [PDF: 72KB], are available as extensions to Home and Lifestyle Insurance.

Buildings Insurance, Product Information Document [PDF: 76KB], and Contents Insurance, Product Information Document [PDF: 76KB] are also available as standalone covers as part of Home and Lifestyle Insurance.