What your policy can cover
We work with a panel of insurers, so we can tailor cover to your home and lifestyle. Policy terms and limits vary, we’ll explain what applies to you.
Fire, storm, flood and leaks
Damage to your home caused by fire, severe weather or escape of water.
Theft or attempted theft
Cover for break-ins and theft, subject to policy limits and security requirements.
Accidental damage
Protection for sudden, unexpected damage to buildings or contents, where included.
Trace and access
Cover for finding the source of a water leak, where included under your policy.
Locks, keys and security
Help with replacing locks and keys after theft or loss, subject to limits.
Spoiled freezer food
Cover for the cost of replacing food following a change in temperature or contamination.
Outbuildings and gardens
Cover for contents kept in sheds, garages and other outbuildings, usually with set limits.
Public liability
Protects you if someone is injured on your property, or their property is damaged, and you’re held legally responsible.
Employers’ liability
Cover if you employ domestic staff and are legally liable for injury.
Temporary accommodation
Help with somewhere to stay if your home becomes uninhabitable after an insured event.
New-for-old replacement
Most items are replaced as new rather than at a reduced second-hand value.
Claims help and emergency support
Many policies include 24/7 emergency helplines and guidance if something goes wrong.
No-claims discounts
Some insurers offer discounts for customers with a good claims history.
Exact features and limits depend on the insurer and policy you choose. We’ll highlight what’s included, what’s optional and anything that needs approval.