Our home insurance seamlessly combines two types of coverage. Buildings insurance protects the structure of your home, while contents insurance covers everything inside—furniture, appliances, clothing, and valuables.

If an item is damaged, we’ll replace it with a new one or cover the cost of repairs or restoration. General wear and tear or mechanical breakdowns aren’t included, and accidental damage is optional. For mobile phone replacements, a refurbished device may be provided.

Just like baking a cake, the cost of your cover depends on a mix of key ingredients.

Some are personal—like where you live and your past claims history. Others are shaped by the bigger picture, such as trends in the insurance market or nationwide events. If extreme weather strikes again, like another Beast from the East, or claims rise across the country, these factors can influence what you pay. Our expert advisers will get you the best deal on the market.

So that we can tot up your price accurately, we’ll ask you for information.

About you – just the usual, like your name and date of birth, and if you’ve made any home insurance claims in the last five years.
About your home – things like your postcode, whether you own your home, and if you live there all the time.
Your belongings – pinpoint any valuables worth more than £2,000, like watch, coin and medal collections, works of art, any gold, silver or other precious metals, or jewellery and watches.
About your policy – pick how much you’d be prepared to pay towards the cost of a claim (known as an ‘excess’), and any optional add-ons you want.