A more flexible approach to home insurance
Our home insurance allows you to choose the type of cover that best suits what you need to cover your home. There are two levels of cover which may be offered to you depending on your needs, as well as optional, additional cover for things like your pedal cycles and garden furniture.
How it works
All you have to do is decide which type of cover you want – buildings, contents or both – and check if our Standard or Premier cover best reflects what you require and which extra options you may need.
| Cover | Standard | Premier | |
 |
Buildings and Contents Get the best of both worlds with our buildings and contents cover where you’ll have the peace of mind that whether your contents are damaged by a leaky roof, or a tree falls on your house, you’ll be covered. |
£500,000 (Buildings) and £50,000* (Contents) | £500,000 (Buildings) and £75,000* (Contents) |
 |
Buildings Covers the bricks and mortar of your home but also any garages, outbuildings, walls, fences and gates associated with it. In addition, it’ll cover any fixtures and fittings such as your bathroom suite or fitted kitchen. |
£500,000 | £500,000 |
 |
Contents Covers a wide variety of items in your home from furniture through to white goods such as fridges and dishwashers. |
£50,000* | £75,000* |
 |
Personal Belongings Covers loss or damage to personal items such as jewellery, watches and other items which you normally wear or carry. |
£3,000** (Option to increase) |
£5,000** (Option to increase) |
 |
Accidental Damage With our Accidental Damage cover, mishaps such as kicking a ball through your window or spilling wine on your sofa doesn’t have to spoil your day. |
Optional | Included |
 |
Garden This covers items such as the trees and plants in your garden, your garden furniture and gardening equipment in your shed. |
Optional (£2,000) |
Optional (£5,000) |
 |
Home Emergency Assistance With our Home Emergency Assistance cover we will arrange for someone to come and fix certain household emergencies, to help keep your home and family secure and prevent further damage. |
Optional (Up to £500 call out, labour and parts) |
Optional (Up to £500 call out, labour and parts) |
 |
Legal Expenses Covers you for legal disputes in relation to personal injury, consumer protection, residential matters, employment and tax related issues. |
Optional (£50,000) |
Optional (£50,000) |
 |
Pedal Cycle With our Pedal Cycle cover you can cover your family’s bikes whether they’re being kept in your home or you’ve taken them away with you. |
Optional (Pedal cycles over £1,500 need to be specified) |
Optional (Pedal cycles over £1,500 need to be specified) |
*Inner limits apply including single item limit and total limit for high risk items.
** Inner limits apply.
