Home Insurance

Buildings insurance and contents insurance for your home.

  • Cover from some of the UK's leading home insurance providers
  • Alternative accommodation offered if damage makes your home unsafe to live in
  • Emergency cover and 24-hour helpline for legal expenses available

Get a quote and buy your home insurance online now with our partner Autonet:

Get a quote

Call us now for a competitive home insurance quote:

0344 892 1750

Weekdays 9am - 7pm, Sat 9am - 1pm

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Features of our home insurance

Buildings insurance for your home

Buildings insurance covers the structure of your home, any external buildings like garages, as well as fixtures or fittings such as bathroom suites or fitted kitchens.You are covered for damage from fire; storm; flood; escape of water from fixed pipes or tanks; theft or attempted theft; impact by vehicles, animals etc; and falling trees, telegraph poles or lamp-posts.

Home emergency cover available

Autonet can add home emergency cover into your policy to protect you in the event of a domestic emergency, including plumbing and drainage, home security, toilet unit, domestic power supply, lost keys and vermin infestation. The insurer will appoint a qualified contractor to attend your home to try and solve your problem.

Contents insurance

Contents insurance includes loss or damage to contents by fire, flood, storm, theft and other similar causes, as well as covering food from a mechanical fault on your fridge. High risk items such as jewellery, watches or paintings can be covered.

Home insurance legal expenses available

Home insurance legal expenses cover can be added into your policy, to provide you and your family with up to £50,000 in legal expenses for employment disputes, contract disputes, jury service, tax protection, property protection and bodily injury. A 24-hour helpline is also available.

Home Insurance Claims

Remember that if there's been a theft, act of vandalism or loss to the home, contents or contents away from the home, you should call the police first of all. Your insurer will need an incident number to get your claim started.

Make sure you take photographs of any damage where possible and try to provide us with as much information as you can when you call through.

Need to make a claim?

Please refer to your policy booklet for your insurance company's direct claims telephone number.

Home Insurance Articles & Guides

We don't just know a lot about insurance, we know a lot about homes too:

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Advice on developing a property for the location it’s in

In this video James Dewane joins us again for more advice on property development. This time we look at the location and how making the right decisions based on its location can save you time and money and help you to sell on quickly.



How to Protect Your Home While You're Away

Unoccupied home insurance requires that the property looks ‘lived in’ even when it isn't, likewise we don’t want to advertise our absence when we’re away on holiday to potential thieves. We've look into the useful tips you can use to secure your home while you’re away.

inheriting a property


What to know when inheriting a property

Our guide to inheriting a property answers many of the common questions customers have during this difficult time. To keep you from feeling over-whelmed, our article keeps things simple by highlighting the most important points to consider, including of course, how to insure an inherited home.

Home Insurance FAQs

What is an excess?

This is the first part of each claim which you (not your insurer) must pay. Please refer to your policy schedule for your policy excesses. There are a number of excesses you need to be aware of - see below:

Compulsory excess - This is an excess that has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided.

Voluntary excess - This will apply where you agree to pay a greater part of each claim, in addition to your compulsory excess. A voluntary excess can be increased or decreased at your request during your quotation and it may have a positive impact on your premium. Please be aware that this can only be changed when arranging your annual policy, it cannot be changed mid-way through the policy.

Subsidence excess - A subsidence excess is the amount you would pay towards all claims relating to subsidence. This is usually a lot higher than your excess for other types of claims due to the nature and value of these types of claims. A subsidence excess may or may not be in addition to your voluntary excess, it would depend on the insurer and their terms.

Escape of water excess - An escape of water excess is the amount you would pay towards all claims relating to escaping water, such as a burst pipe. The amount for this will vary from insurer and again can potentially be higher than the usual excess due to the value of these types of claims.

What is the difference between standard and extended accidental damage cover?

Standard accidental damage will provide some basic cover for limited terms. For contents insurance, this covers accidental damage to audio and visual equipment. For example, if you dropped your television whilst moving it to a different room. For buildings this covers underground pipes, fixtures, fittings, sanitary ware and any fixed glass/windows. For example, if you dropped something heavy in your bath and split it.

Extended accidental damage will provide cover for the whole contents including any valuable items. For contents insurance this would cover spillages to carpets, ripped sofas and dropping ornaments. For example, if you dropped a tin of paint on your carpet. For buildings it would cover putting your foot through the ceiling whilst in the loft or accidentally damaging the kitchen worktop.

What is Home Emergency cover?

Home Emergency cover is an optional add-on product that you can choose to buy with your home insurance. It provides up to £1,000 per claim for a number of emergency situations you may experience in your home such as plumbing and drainage, boilers and pests. It will cover the cost of parts, labour and materials to provide an emergency repair by an approved tradesperson. For more information about this product then please call us.

What is a single article limit?

The single article limit is the maximum amount an insurer will pay out on any one single item. For example, if the insurer's single article limit is £3,000 and you had an item of jewellery worth £2,500, your item would be covered on one policy.


If you have items you wish to be covered of a particularly high value (decided by the insurer) then you may be asked to provide a valuation of the item. This may be within 30 days of inception or in the event of a claim

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