Home Insurance

The amount you pay for home insurance is calculated by looking at many different factors including your home’s location, size, construction type and security levels; the value of your contents; and your claims history.

Essentially, the higher the risk of loss or damage to your property, and the higher the value of the property and the contents, the more you’ll have to pay to insure them.

If your home is seriously damaged – due to flood, for example – we'll find alternative accommodation, similar to your own, for you to live in until you can return home. Limits vary depending on your level of cover.

If it is safe to do so, you should take steps to limit the damage where possible – for example move furniture out of standing water or switch off your water supply to stop a leak.

Student Cover is included on our Specialist Home Insurance cover and can be added to all of our Essential, Plus and Premier cover levels. It protects the contents, personal possessions and pedal cycles taken away from the home by a member of your family who is studying at university, college or school. This includes things like laptops, mobile phones and money.

Yes, 'valuables' are non-household goods, such as:

• Jewellery (including costume jewellery)
• Other things made of gold, silver or precious metals
• Cameras, camcorders or binoculars
• Watches
• Furs
• Paintings and other works of art
• Stamp, coin or medal collections

  
  Each insurance product has a different valuables limit so you can choose the one to suit your needs.

  If you have any valuables worth more than £3,000 each, you’ll need to specify them when you get a quote.

  If you have any valuables that are worth more than £20,000 each, our Specialist Home Insurance may be more suitable for you. Find out more or speak to an adviser on 0800 916 6880.

Yes, second homes, holiday homes and let properties can be insured under our Specialist Cover.