Levels of Cover
There are three types of cover – Buildings insurance, Contents insurance and Buildings
& Contents insurance. Each type of cover automatically includes all the most important
features of home insurance, everything else is optional, so you won't pay for cover
you don't need.
Buildings insurance
Why pay for £1million of cover if you don't need it? Choose enough to cover
the cost of re-building your home (not it's market value) and any outbuildings:
- basic cover starts at £500,000 and can be increased up to £1million
- covers all the main risks e.g. fire, flood, theft, storm and water damage
- property owners liability
- tailor-make your policy with optional cover
Contents insurance
Our basic level of cover represents the value of all the belongings you'd find in
an average family home. A single item limit is included for high value items so
you don't need to list them all separately:
- basic cover starts at £50,000 and can be increased up to £75,000
- covers all the main risks e.g. fire, flood, theft, lightning
- £5,000 single item limit for high value items (can be increased to £7,500)
- new for old cover (except for clothes and household linen)
- tailor-make your policy with optional cover
Buildings & Contents insurance
Get all the benefits of a Buildings and a Contents policy, and when you buy them
together there's only one policy excess to pay if you need to claim. Plus, get 20%
off buildings and contents insurance when you buy today!*
*20% off discount applies when buildings and contents insurance are purchased together.
Normal underwriting criteria applies.