Home Insurance -
See what's covered

This is the amount it would cost you to rebuild your home. It includes site clearance, buildings, architects and legal fees.

We offer unlimited rebuild cost cover to all eligible customers.

Cover for damage to your garage or outbuilding including £5,000 of theft cover.

£5,000 of cover for your garden plants.

If your garden plants, trees, shrubs or even your lawn is damaged due to vandalism, collision by a vehicle or damage caused by emergency access, we'll cover them.

Up to £1,000 cover for replacing external locks and keys, if the keys are lost or stolen.

Up to £350 automatically included for bikes in and away from your home if kept securely locked.

Included as standard on Platinum policies.

Up to £100,000 legal costs cover for property or employment disputes and personal injury claims as long as there is a reasonable prospect of your claim being successful. A waiting period applies before some cover is activated.

We can cover any underground drains or pipes you are legally responsible for if they are accidentally damaged. This also covers water or oil escaping from any fixed water or heating tanks.

Included as standard on Platinum policies.

This is the amount you calculate the contents of your home to be worth.

This should include the contents of any garages or outbuildings.

Up to £150,000.

If part of a matching set was deemed to be beyond repair or we were unable to replace that one item, we'll replace the entire set. This includes three piece suites and bathroom suites.

Audio Visual Accidental Damage is included on Platinum policies. It provides cover for accidental damage to audiovisual items such as your TV or stereo in your home.

Full contents accidental damage is included as standard on Platinum policies.

We'll pay for accidental damage to contents in your home or garden. So, if a drink was accidentally spilled on the sofa or a piece of furniture broke you'd be covered.

Home Emergency Extra cover protects you from emergencies relating to your boiler, plumbing and drainage. The claims limit is £1,000.

It's included on Platinum tier as standard.

Home Emergency Extra cover protects you from emergencies relating to your plumbing, drainage, roof, electrics and more. The claims limit is £1,000.

It also includes a contribution of £250 if your boiler is deemed beyond economic repair.

It's included on the Platinum tier as standard.

Optional cover available.

This is included as standard on Platinum policies.

Trace and access covers the cost to remove and replace parts of the building when trying to find the source of a water/oil leak.

On Platinum tier we offer £10,000 cover for trace and access.

Items worth £2,000 or less don't need to be specified on your policy.

Any high risk item or collection worth over £2,000 will need to be added to your policy as a specified item and you can choose to cover that item away from home too.