With our Home and Home Plus Insurance policy, buildings insurance covers loss or damage to the structure of your home and any outbuildings and garages that belong to it. This means things like your roof, walls, windows and doors are covered.
For buildings insurance, our Home Insurance policy offers a limit of cover of £1 million, in most cases it takes away the risk of being under insured. For complete peace of mind our Home Plus Insurance provides an unlimited level of cover to rebuild your home. You don't need to worry about providing us with an actual rebuild value of your home.
With our Home Insurance policy, contents insurance covers loss or damage to your household items in your home and outbuildings for things like flood, fire or water damage, as well as theft and vandalism. Generally these are items that you would take with you if you moved, such as:
With our Home Insurance policy, for contents you can tailor your cover up to £100,000. Or with our Home Plus Insurance policy, offers up to £150,000 cover for your contents.
You must make sure that the amount is correct as it may reduce your claim if you fail to do so.
Even if you're renting a property, your landlord might have insurance to cover their belongings, but it's still worthwhile thinking about covering yours too for things like clothing, MP3 players and TVs with our tenants insurance.
Accidental damage is damage caused suddenly by external means which is not expected and not deliberate.
A level of accidental damage cover is included in your home insurance as standard. It insures you against things like breakages or damage to fixtures and fittings (windows, toilets or baths etc), mirrors, glass and home entertainment equipment. It also covers accidental damage to underground cables, pipes or drains.
This cover is limited though. You can add extended accidental damage as an optional extra to cover things like putting your foot through the ceiling or spilling a drink on your carpet.
No, your home insurance doesn’t cover wear and tear. Your house, and the things you buy to make it a home, will all get bumps, scuffs and worn out from use over time.
For example, if your washing machine starts to make a funny rattle when it’s on the spin cycle, you won’t be able to claim for a new one.
Wear and tear also applies to the actual fabric of your house. For example, your roof can start leaking for a variety of reasons. The leak might just appear from nowhere - or something might happen and you notice the water coming in. You might assume that your insurance covers a leaky roof - but often your roof leak is due to wear and tear. This means you’d have to pay for any repairs.
Here are some other typical examples of wear and tear. None of these would be covered by your home insurance:
Read our guide to making a claim for more information about wear and tear.
Our contents cover automatically covers valuables, like jewellery, in the home with an individual value of £2,000 or less (£5,000 on Home Plus). If you have any items individually worth more than £2,000(£5,000 on Home Plus), you'll need to list these separately on your policy.
If you've added optional personal belongings cover to your home insurance, valuable personal items, like rings, are covered inside and outside the home. This means if you’ve been pottering indoors all day and your engagement ring has slipped off and is lost, you can claim. (Without this cover, you're not able to).
To cover your bike away from the home, you'll need to add our optional cycle cover to your home insurance.
With this cover, your bicycle or folding bike and cycling gear is insured against accidental loss, damage or even theft while you’re away from home (providing your cycle is locked to an immovable object - or within a locked building - when taken away from home).
Yes, we will pay up to £750 to replace food in your freezer if it gets damaged because your freezer broke down, a domestic fuse blew, there was a public gas or electricity supply failure , or your freezer had a refrigerant leakage.
If your freezer is left open or gets disconnected by accident, your food will be covered if you have extended accidental damage cover on your contents insurance.
Yes, downloaded information is automatically covered under our contents cover. We'll pay up to £1,000 (£10,000 on Home Plus) for loss or damage to information that you've bought and stored on your home entertainment equipment or mobile phones.
You can feel reassured that our Defaqto 5 Star rated home insurance will cover you for most eventualities. But here are a few examples of things you won't be covered for.
For full details of what you won't be covered for, please check your Home Insurance Policy Document for exclusions.
All content is approved by our in-house advisory board of experts.