Buildings & Contents insurance

Insuring your home

Our buildings and contents insurance, provided by Legal & General, is designed to be both affordable and wide-ranging to protect both your home and its contents against unexpected and unwelcome events.

For home owners & tenants

If you own your home, consider taking out both buildings and contents insurance. Our standard policies include all the major risks such as:

• Fire/smoke
• Lightning
• Subsidence
• Theft
• Explosion
• Vandalism
• Flood
• Storm
• Riot

If you rent, you'll want contents insurance to protect your possessions against the unexpected. Remember, insuring the things you own is your responsibility, not your landlord's.

As with all insurances, limitations and exclusions apply.

Get a quote

For more information, to get a quote or take out a policy either

• Call 0800 389 4607, or
• Complete our online enquiry form, or
• Visit your local branch.

Insuring a Buy to Let property

Buy to Let properties can be a great investment opportunity. If you buy a property to let, you'll have a lot on your mind - finding tenants, calculating rental yields, maybe appointing an agent.

Keeping your property and its contents properly protected needn't be one of the headaches. Through our relationship with Legal & General we are able to offer a policy designed specifically to suit your needs.

What's included as standard

• Fire, smoke, explosion, flood, storm, escape of water, oil leakage, falling trees, branches or aerials, lightning, earthquake, subsidence, heave, landslip, malicious acts, vandalism and theft.
• Replacement locks - in the event of stolen keys (up to £250).
• Property in garages and domestic outbuildings (up to 5% of contents sum insured).
• Home Emergency Cover* to pay for call out charges, labour, parts and materials in the event of a home emergency (up to £150).
• Trace and access cover - to cover the costs of tracing the source of water or oil leaks and repairing walls floors and ceilings damaged during these investigations (up to £5,000).
• External satellite receiving equipment (up to 5% of contents sum insured).
• Accidental breakage to windows and fixed sanitaryware.
• Your legal liability as the owner for causing injury to others or for damage to their property (up to £2 million).
• Loss of rent following damage by an insured event (up to £50,000).

Additional cover available

If the standard cover isn't enough, there are other options to make sure your cover is exactly what you want.

For an additional premium you could select cover for extended accidental damage, legal expenses and rent guarantee†.

Full policy details

• View the Key Features document
• Read the Policy booklet, or
• 'Call 0800 389 4607'.

Get a quote

For further information, to get a personalised quote or to take out a policy either

• Call 0800 389 4607, or
• Complete our online enquiry form, or
• Visit your local branch.

* Provided by Homeserve Claims Management Ltd. Calls may be recorded and or monitored for security, training and customer service purposes.

† Claims under the legal expenses and rent guarantee section are administered on behalf of Legal & General by DAS Legal Expenses Insurance Company Limited.