Home Insurance

Home insurance refers to either contents insurance or buildings insurance or a combination of both.

Buildings insurance includes the main structure of your home, which you own and live in. This includes its fixtures and fittings, detached annexes and outbuildings. It also includes the following if they form or are situated within the boundaries of your property's title deeds:

• Permanent structures and fixtures on the land, such as drives, walls, patios, fences and gates

• Fixed external systems (like lighting, surveillance, solar, wind, and heat pumps)

• Permanently fixed floor coverings (excluding carpeting)

• Permanently fixed items in the ground like tanks, pools, fountains, hot tubs, and brick-built barbecues
  covers the building, including any outbuildings such as sheds. It generally covers your home against risks including flood, fire and subsidence.

Contents insurance covers household goods and valuables belonging to you or your family, along with specific limits for money, cards, documents, and business equipment. It also typically includes garden contents such as trees, plants, garden equipment (including motorised), furniture, and other removable items like temporary gazebos, statues, pots, and barbecues.

Yes, these are considered 'valuables', and include items such as:

• Jewellery

• Watches

• Paintings and other works of art

• Articles containing gold, silver or precious metals

• Stamp, coin or medal collections

• Musical instruments

Each insurance product has a different valuables limit so you can choose the one to suit your needs.
If you have items worth more than £3,000 each, you’ll need to specify them when you get a quote.

For valuables worth more than £20,000 each, our high value home insurance may be more suitable. View our Specialist home insurance cover, or speak with an advisor from Covéa Insurance plc, who provide this, on 0800 916 6880. Calls may be recorded or monitored and charges may apply.

To check your existing coverage, please refer to your policy wording.

All of our insurer contact details can be found in our help hub. if you’re struggling to find your policy number or your insurer’s details, please call us on 0345 608 9031.

If you have a home emergency and your policy started on or after 1 April 2026, please call ARAG Legal Expenses Insurance Company Limited (ARAG LEI) on 0800 652 0259. Calls may be recorded or monitored and charges may apply. To make a legal expenses claim, please call ARAG LEI on 0117 934 0416.

For policies that started before 1 April 2026, please call us on 0345 608 9001.

If your complaint relates to a claim, please contact your insurer first. If you need their contact details, these can be found on our help hub.

For anything else, please contact us.

For more information on making a complaint, your rights and the Financial Ombudsman Service, please refer to your policy documents.