Why combine buildings and contents?
Two policies mean two renewal dates, two excesses and often a higher total premium.
Combine them and you simplify admin, close cover gaps and usually save money.
Contents insurance:
Essential for protecting your personal possessions, whether you’re living in your own home, as a tenant, or in a shared house as a lodger.
Your personal belongings such as electronics, furniture, clothes and your jewellery are covered, with the option of accidental damage.
Buildings insurance:
Secures the physical structure of your home, including walls, roofs, and built-in fixtures, from damages due to events like severe storms, floods, fire and even structural movement like subsidence.
- One renewal, one excess, one monthly or annual payment
- 5-star rated by Defaqto for buildings & contents
- Underwritten by trusted, household-name insurers
- Free Home Emergency and Legal Protection on every policy
Home Insurance Cover Levels
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Buildings Insurance
Cover for the main structure of your home if you need to repair or rebuild it
Up to £1 million -
Content Insurance
New for old cover for belongings kept in your home
Up to £100,000 -
Alternative Accomodation
Covers the costs for you and your family including pets to live elsewhere while your home is undergoing repair after an insured event
Up to £50,000 -
Trace and Access
Replacement and repair to any parts of the building that are removed when tracing escape of water
Up to £5,000 -
Accidental Damage
Cover for accidental breakages or damage to your buildings or contents eg putting your foot through the ceiling, or spilling paint on your carpet
Optional -
Personal Belongings
Cover for items you take outside of the home with you, such as mobile phones
Optional -
Specified Items
Cover for valuable items you specific separately on your policy
Optional -
Pedal Cycles
Cover for our bicycle(s) when taken away from the home
Optional
Policy Documents
If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Add-Ons
How to make a claim
Making a claim has never been easier – just follow these three simple steps:
Step One – Check Your Policy
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Step Two – Report the Incident
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
Step Three – Submit Your Claim
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
