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Home insurance

You could pay £164 or less, 50% of our new customers did between July – December 2020

You can add FREE for the first year when you buy combined Buildings and Contents Insurance - offer ends: 30/11/21:

✔ FREE Family Legal Protection
✔ FREE Home Emergency Cover

What's covered?

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Buildings

Buildings Insurance

What does this cover give me?


Unlimited buildings cover
House blown away in a storm? We'll cover the cost of rebuilding

Alternative accommodation
Up to £75,000

Locks and keys
If your keys are lost or stolen, you'll be covered for the cost of replacing them and installing locks on any external doors up to the value of £1,000

Property owner's liability cover
Up to a £2 million as standard 

 

Did you know, you can...


Add Accidental Damage cover for an additional fee, covering the cost of repair or replacement as direct result of an accident

Find out more about
Building Insurance.

You can find our Home Insurance policy limits here.

Contents

Contents Insurance

How do you protect my most prized possessions?


New for old contents cover
No shabby substitutes, we'll replace all covered items as new

Garden contents
Up to £2,000, tools, plants or machinery

Personal money
Up to £750 to cover lost or stolen cash

Students cover
Up to £5,000 to cover contents in secure rooms in university halls or boarding schools*

Special Events cover 
Up to an extra 15%**

Home office equipment
Up to £10,000

These limits are included in and not additional to your sum insured.
Restrictions may apply, please check our policy booklet.

Did you know, you can...


Add Accidental Damage cover for an additional fee, covering the cost of repair or replacement as direct result of an accident

Find out more about
Contents Insurance.

You can find the current limits on our Home Insurance policy limits here.

Need help with calculating your home's content value? Our handy home insurance checklist can help you.

*When not left vacant for more than 15 days. **Four weeks before and after a special event, such as a religious festival (up to 15% extra cover) and weddings/births (up to 10% extra cover).

You can add on for free...

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Family Legal Protection – FREE for the first year, when you buy combined Buildings and Contents Insurance - offer ends: 30/11/21

  • Access to expert lawyers with up to £50,000 legal costs covered for you and your family
  • No Claim Discount not affected

 

Home Emergency Cover – FREE for the first year, when you buy combined Buildings and Contents Insurance - offer ends: 30/11/21

  • Just one call and Sheilas’ Wheels will send a contractor to visit your home and carry out emergency repairs. Call-out charge, labour cost, parts and materials to a limit of £500 including VAT (subject to a £25 excess) are covered. Always handy, especially for when the boiler breaks down unexpectedly.

 

Handy Optional Extras!

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Perosnal Possessions

 

Personal possessions cover away from the home

For an additional fee you are covered for accidental loss, damage and theft of your personal possessions while they are temporarily removed from your home anywhere in the United Kingdom and for up to 60 consecutive days anywhere in the rest of the world.

Find out more about our Personal Possessions Insurance.

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Pest Cover

 

Pest Cover

For an additional fee you can avoid ringing around – you can claim for the call out charge and the professional extermination or control of wasps, hornets nests, rats, mice or grey squirrels subject to an overall limit of £150 (including VAT per claim).

For the treatment of bed bugs this cover will pay the contractors charges subject to a maximum of three treatments/extermination and an overall limit of £200 (including VAT) of bed bugs in one infested area in the Home in the event of a call out.

Find out more about our Pest Insurance.

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Make a claim

Supporting you when you need us most

 

Policy booklet

Check the policy booklet to find out what's covered by our Defaqto 5 Star rated insurance

Home Insurance Hub

Learn more about our insurance, our level of cover or available add-ons and how they can suit you.
 

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