Home Insurance
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Admiral Platinum Travel Insurance
What's home insurance?
Home insurance financially protects your home. It can help you and your family if you experience events like theft, fire and floods.
Home insurance has two parts:
Buildings insurance covers the bricks and mortar, contents insurance covers your belongings. You can combine both.
What does home insurance cover?
Home insurance typically covers damage caused by:
Storm
Protection against severe weather as long as your home is well-maintained.
Fences, gates and hedges are not covered.
Find out more about what to do during a storm and what to check afterwards on our storm weather hub.
Escape of water
We'll help with burst pipes and other plumbing damage.
Theft or vandalism
Safeguarding you from theft and damage caused by criminal activity
Fire and smoke
We’ll support you if fire or smoke damages your home
Falling trees and branches
Claim for the damage falling trees and branches caused to your home
Collisions
We cover your home against collisions involving vehicles, an aircraft and animals
What isn't covered?
Here are some common things home insurance doesn't cover:
- damage caused by wear and tear
- damage due to a lack of maintenance
- breakdown of appliances
- storm damage to fences, gates and hedges
- deliberate damage
- loss or damage caused by pests
- loss or damage caused by pets through chewing, scratching, tearing, fouling or vomiting
- claims where the excess is more than the value (for example, if the damage to an electrical appliance is £100 but you have a £200 excess, you can't make a claim)
- claims where the home is left unoccupied for longer than the 'days unoccupied limit' and you haven't informed us beforehand
However, always refer to your policy documents and check on MyAccount to see what is and isn't covered, plus your excess limits before contacting us.
Comparing our cover levels
| Admiral | Admiral Gold |
Admiral Platinum |
|
|---|---|---|---|
| Unlimited buildings cover | |||
| 24-hour helpline | |||
| Bicycle cover |
£350 |
£350 |
£350 |
| Contents cover |
£100K |
£125K |
£150K |
| Alternative accommodation (Contents) |
£15K |
£20K |
£25K |
| Alternative accommodation (Buildings) |
£50K |
£75K |
£100K |
| Trace and access |
£5K |
£5K |
£10K |
| Personal Possessions cover | Optional | Optional |
£2K |
| Accidental Damage (Contents and Buildings) | Optional | Optional | |
| Home Emergency cover | Optional | ||
| Home Emergency Extra cover | Optional | Optional | |
| Home Legal Expenses | Optional | Optional |
For more information on what's covered, read our policy book.
Which home insurance type is right for me?
Combined home insurance
Combined home insurance, often called home insurance, includes both buildings and contents cover on one policy. It’s usually cheaper than buying buildings and contents separately.
Buildings insurance
Buildings insurance covers the repair costs for damage to a home's structure and fittings. It also protects garages, outbuildings and anything else that's permanently fixed.
It's designed to cover against damage caused by natural and manmade disasters. It's good for freeholders and is usually the bare minimum cover.
Contents insurance
Contents insurance protects the belongings inside your home from theft, vandalism, fire and water damage. It's usually the right option if you live in a flat or are a leaseholder.