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Home insurance
You could win £50,000 to make your house a home when you take out a new policy directly with us between 01 October and 31 December 2025. Offer terms and conditions apply. Prize money can be used for any purpose.
Features and benefits
Three levels of cover: Bronze, Silver and Gold
Our policy documents tell you more about what we do and don't cover. Keep in mind that with all of our cover, there are terms, limits and exclusions.
Read our policy document (PDF 1MB) and policy limits (PDF, 98KB) for more about these.
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Buildings Insurance
This covers the structure of your home and its outbuildings, including your roof, walls, windows and ceilings. It also includes permanent fixtures like fitted kitchens and bathrooms. And this covers damage caused by things like fire, flood and storm, as well as subsidence and vandalism.
Cover
Bronze
Silver
Gold
Cover
Buildings
Bronze
Full rebuild cost
Silver
Full rebuild cost
Gold
Full rebuild cost
Cover
Accidental damage
Bronze
Not available
Silver
Full rebuild cost
Gold
Full rebuild cost
Cover
Plants in the garden
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Tracing and accessing a leak
Bronze
£5,000
Silver
£5,000
Gold
£5,000
Cover
Blocked drains
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
If you need somewhere else to stay (if you live at the property)
Bronze
£100,000
Silver
£100,000
Gold
£100,000
Cover
Loss of rent (if you're a landlord)
Bronze
£100,000
Silver
Not available
Gold
Not available
Cover
Home owner's legal responsibility
Bronze
£2,000,000
Silver
£2,000,000
Gold
£2,000,000
Cover
Damage by emergency services
Bronze
Full rebuild cost except trees, plants and shrubs where the limit is £1,000
Silver
Full rebuild cost except trees, plants and shrubs where the limit is £1,000
Gold
Full rebuild cost except trees, plants and shrubs where the limit is £1,000
Contents Insurance
This covers the things in your home you would pack up with you if you moved. These can include things like furniture, clothing, electronic goods, carpets and curtains. Cover is for damage or loss caused by things like fire, flood, storm and theft. Except for those limits marked *, the following are part of your overall contents cover limit, not in addition to it.
Cover
Bronze
Silver
Gold
Cover
Contents
Bronze
£50,000
Silver
£100,000
Gold
£250,000
Cover
Accidental damage
Bronze
Not available
Silver
£100,000
Gold
£250,000
Cover
Damage to frozen food
Bronze
£500
Silver
£500
Gold
£500
Cover
Visitors’ belongings
Bronze
£500
Silver
£500
Gold
£500
Cover
If you need somewhere else to stay
Bronze
£25,000*
Silver
£25,000*
Gold
£25,000*
Cover
Money
Bronze
£500
Silver
£500
Gold
£500
Cover
Documents
Bronze
£2,500
Silver
£2,500
Gold
£2,500
Cover
Contents in outbuildings
Bronze
£5,000
Silver
£5,000
Gold
£5,000
Cover
Contents in the open
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Trees and plants
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Metered water
Bronze
£1,000
Silver
£1,000
Gold
£1,000
Cover
Personal legal responsibility
Bronze
£2,000,000*
Silver
£2,000,000*
Gold
£2,000,000*
Cover
Employer’s responsibility for domestic staff
Bronze
£10,000,000*
Silver
£10,000,000*
Gold
£10,000,000*
Cover
Protection for tenants
Bronze
£10,000*
Silver
£10,000*
Gold
£10,000*
Cover
Tenant’s home improvements
Bronze
£5,000*
Silver
£5,000*
Gold
£5,000*
Cover
Damage by emergency services
Bronze
Contents sum insured except trees, plants and shrubs where the limit is £1,000
Silver
Contents sum insured except trees, plants and shrubs where the limit is £1,000
Gold
Contents sum insured except trees, plants and shrubs where the limit is £1,000
Specified items cover
We need to know about items worth more than £2,000 each. For example, items such as laptops, TVs, jewellery or bikes. You don’t need to tell us about home appliances, and furniture that isn’t antique.
You can choose to cover any specified items in the home, or both in and away from the home.
There’s a £40,000 limit for each specified item and a £100,000 limit in total.
Additional features and optional extras
The level of cover you need is individual to you. Here you can see what's included with our Bronze, Silver and Gold levels and what optional cover you can add to meet your needs.
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Covers you for accidental damage to your home and the things in it.
So, if a football smashes your window or a drink spills on your carpet, you’re covered. We’ll pay to repair the damage or replace your things.
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Protects the things you have with you when you leave the house, like your phone, jewellery or bike. If you have any specified items, you can also choose to cover these away from home.
You’re covered if they’re lost or stolen, or accidentally damaged if you have this cover. It also includes cover for students’ contents while they’re temporarily living away from home to study.
Cover
Bronze
Silver
Gold
Cover
Items lost or stolen away from home
Bronze
Choose from £1,000 to £25,000
Silver
Choose from £1,000 to £25,000
Gold
Choose from £1,000 to £25,000
Cover
Including accidental damage cover
Bronze
Not available
Silver
Included up to your chosen limit for Away from home cover.
Gold
Included up to your chosen limit for Away from home cover.
Cover
Including students' contents
Bronze
Up to £5,000, or your chosen limit for Away from home cover if it's less.
Silver
Up to £5,000, or your chosen limit for Away from home cover if it's less.
Gold
Up to £5,000, or your chosen limit for Away from home cover if it's less.
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This provides cover up to £50,000 in case you need legal support from an expert. You also have access to a 24/7 helpline for legal advice. And you're covered for things like contract, employment and neighbour disputes, as well as personal injury and clinical negligence.
Administered by Arc Legal Assistance Limited, and underwritten by Royal & Sun Alliance Insurance Ltd.
Cover
Bronze
Silver
Gold
Cover
Legal expenses
Bronze
Not available
Silver
£50,000
Gold
£50,000
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This covers you for emergency repairs, which wouldn't normally be covered by your home insurance. With a 24/7 helpline, if your boiler breaks down or your power fails, you can get help fast. It pays for repairs up to £1,000 a time. And there's no excess to pay.
Underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.
Cover
Bronze
Silver
Gold
Cover
Home emergency
Bronze
£1,000
Silver
£1,000
Gold
£1,000
You’re covered for emergency repairs, including call-out costs, work and new parts. Call the 24-hour emergency helpline and an approved tradesperson will come out and take action to resolve the emergency. This includes emergency repairs to your heating, plumbing and electrics, roofing, windows, doors and locks to secure your home.
To read more on what’s covered and what isn’t, read our policy booklet [PDF 1MB].
Important legal information