Household Insurance

Keeping what matters most safe


What is it?

Your home is more than just where you live. It is the place where you have everything that is important to you, so keeping it safe is your priority. Home Insurance protects your home and possessions against loss, theft or accidental damage. It also covers close family members living with you.

Home Insurance is made up of two features: buildings and contents Insurance. Most homeowners choose to take out combined buildings and contents cover, but you can also choose separate policies to suit your needs.

Buildings Insurance protects the structure of your property, including the walls, windows, roof, permanent fixtures and fittings. Contents Insurance protects your belongings, such as electricals, jewellery, furnishings and clothes.

Why do I need it?

Although Home Insurance isn’t a legal requirement in the UK, being covered means you won’t be out of pocket if you need to repair your home or replace your belongings because they’ve been stolen, damaged or destroyed.
Your home is your safe space and a place that holds years of cherished memories and sentimental valuables. If the worst was to happen, you would have to start again, causing you a lot of emotional and financial distress. Home Insurance restores what you’ve lost as quickly as possible.

If you have a mortgage, your lender will usually require you to have Buildings Insurance in place. If you’re renting, it’s your landlord’s responsibility to get Buildings Insurance, but you will need to arrange the contents cover to make sure you’re fully protected.

What does it cover?

The type of cover you need will depend on your living situation. An expert broker will talk you through different cover options and help to create the policy for you. Comprehensive Home Insurance generally includes:

  • Cover for costs to repair or completely rebuild your home
  • Rebuild cost evaluations
  • Cover for costs to replace damaged, lost or stolen contents
  • Cover against fire
  • Cover against theft and the damage caused
  • Cover for accidental damage

You can choose additional extras, or add-ons, to tailor your policy to your needs. Some common ones include:

  • Alternative accommodation 
  • Bicycle cover 
  • Home emergency cover
  • Legal protection

Find a household insurance broker

Find a Broker

key cover benefits

  • Cover tailored to your unique needs
  • Meet mortgage provider requirements
  • Backed by connected expertise and thinking
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