Home Insurance Frequently Asked Questions (FAQs)

Our top ten most frequently asked home insurance questions

We have ranked our top ten most frequently asked home insurance questions for you below. These are updated regularly to help ensure questions remain relevant and topical.

If you have a question that isn't answered below you might like to search our interactive FAQs.

What are the limits of cover on buildings and contents insurance?

For buildings insurance, we offer a limit of cover of £1m. This is great peace of mind insurance cover as in most cases it takes away the risk of being under insured. You only pay for the home insurance cover you need and don't need to worry about providing us with an actual rebuilding value of your home. You only need to let us know if the rebuilding cost of your home is more than this amount.

For contents insurance, you can select the cover you require, which means we insure you for the actual amount of contents you have within your home. To work out the correct amount you should be insuring your contents for, think about how much it would cost to replace them all as new today, except for clothing and household linen where you can deduct an amount for wear and tear.

How do I cover any items I take away from the home?

You can add them to the personal possession section of your contents quote, which covers accidental loss or damage cover to any of your personal belongings (like jewellery items, cameras and golf clubs) anywhere in Europe and up to 60 days in any one period of insurance.

Our minimum cover is £2,500, with no single item worth more than £1,500. If you have a single item worth more than this amount, please call us.

For contents, do you offer accidental damage cover?

Yes, we automatically offer basic accidental damage cover for radios, televisions, digital satellite top boxes, satellite receivers, computers, recording and audio equipment, plus accidental breakage to mirrors and glass. You can also extend your cover to include accidental damage for other contents, to cover accidents like spilling a drink on a carpet.

What does accidental damage cover give on buildings and contents insurance?

On buildings insurance we automatically offer basic accidental damage cover for cables, underground pipes and drains, plus breakage of fixed glass, like windows, and sanitary fittings. You can also extend your cover to include accidental damage for all of your buildings, to cover accidents like putting your foot through the ceiling. 

On contents insurance we automatically offer basic accidental damage cover for radios, televisions, digital satellite top boxes, satellite receivers, computers, recording and audio equipment, plus accidental breakage to mirrors and glass. You can also extend your cover to include accidental damage for other contents, to cover accidents like spilling a drink on a carpet.

For buildings insurance, do you offer accidental damage cover?

Yes, we automatically offer basic accidental damage cover for cables, underground pipes and drains, plus breakage of fixed glass, like windows, and sanitary fittings. You can also extend your cover to include accidental damage for all of your buildings, to cover accidents like putting your foot through the ceiling.

I have a spare room in my home set up as an office. Can you insure me for this?

Yes, our policies automatically cover home offices, providing the work you do in your office is just routine paperwork, telephone calls and computer work. Our contents policy includes £5,000 cover for any office equipment you may have, like PCs, faxes and printers. For extra business insurance please call us to see if we can give you an insurance quote.

My son/daughter is thinking of going to University, would their items be covered whilst they are living in student accommodation?

Providing your son/daughter continues to live with you outside of term time, we would still consider them to be permanently living with you and cover would therefore be provided under the contents at university / college section of the contents policy. This provides up to £5,000 worth of cover for loss of damage to contents whilst temporarily removed from the home. Please ensure your contents cover is adequate to cover any contents insured under this section and also, please refer to the full policy wording as restrictions apply.

If you accept the Personal Possession section for the personal effects you take away from the home, cover is automatically provided for student use so please also refer to this section and call us if you have any questions or need to specify any item taken away from the home.

What is buildings insurance?

Buildings insurance cover is insurance for loss or damage to the structure of your home and any domestic outbuildings and private garages that form part of your home. This includes walls, gates and fences, sanitary ware, drives, footpaths, patios and swimming pools (but not their covers) For full details of our buildings insurance cover, take a look at our policy wording.

What is contents insurance?

Contents insurance covers loss or damage to your household items in your home. For full details of our contents insurance cover, take a look at our policy wording.

Can I have a quote for just buildings insurance or just contents insurance, or do I have to take out both?

Yes, we can offer you a quote for just buildings insurance or just contents insurance.

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