Standard Home Insurance / Bedrooms Rated
Our 5 Star Defaqto rated Home Insurance policy has been designed to provide cover for Buildings, Contents or Buildings and Contents combined.
In addition to this, we also offer cover for valuables and personal possessions whilst at and away from the home, and some more specialist items, as listed below.
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Insurance Product Information Document (IPID) / Policy wording
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Not the Right Product?
View our alternative insurance products below
- Landlord Insurance
- Unoccupied Property Insurance
- Holiday Home Insurance
- Commercial Property Insurance
- Overseas Property Insurance
- Blocks Of Flats
- High Net Worth Home Insurance
- Subsidence Insurance
- Flood Risk Insurance
- Criminal Conviction Home Insurance
- B&B Insurance
- Home Insurance for Childminders
- Rent Guarantee
There are some huge discounts available, such as:
| No claims bonus up to 30% | |
| Buildings and Contents combined discount | |
| Up to 40% for our Bedrooms Rated option | |
| Age of proposer discount | |
| Higher sums insured discount | |
| Age of home discount | |
| Voluntary excess discount | |
| Existing policyholder discount of 5% |
Types of Risks Covered
| Standard Home Insurance | |
| Bedrooms Rated Home Insurance | |
| Previously underpinned homes and homes which have suffered from subsidence | |
| Previously flooded homes | |
| Mid Net Worth - High Building and Contents sum insured | |
| Policyholders with criminal convictions, CCJs and bankruptcy | |
| Homes used as small owner occupied bed and breakfasts | |
| Homes used for childminding | |
| Homes with lodgers | |
| Homes undergoing building work or refurbishment, including JCT Minor Works Extension | |
| Homes used for business | |
| Contents in depositories and storage | |
| Homes needing cover between exchange and completion | |
| Listed homes | |
| Shared occupancy | |
| Working farms |
Buildings Cover
Our Buildings policy provides cover as standard for loss or damage directly caused by:
| Fire, Lightning, Explosion or Earthquake and Smoke Damage Caused by these Perils | |
| Aircraft and Other Flying Devices or Items Dropped from them | |
| Storm, Flood or Weight of Snow | |
| Escape of Water from and Frost Damage to Fixed Water Tanks, Apparatus or Pipes | |
| Escape of Oil from a Fixed Domestic Oil Fired Heating Installation and Smoke Damage Caused by a Fault in any Fixed Domestic Heating Installation | |
| Theft or Attempted Theft | |
| Collision by any Vehicle or Animal | |
| Any Person Taking Part in Terrorism, a Riot, Violent Disorder, Strike, Labour Disturbance, Civil Commotion or Acting Maliciously | |
| Homes with lodgers | |
| Homes undergoing building work or refurbishment, including JCT Minor Works Extension | |
| Subsidence or Heave of the Site upon which the Buildings Stand or Landslip | |
| Breakage or Collapse of Fixed Radio and Television Aerials, Fixed Satellite Dishes, and their Fittings and Masts | |
| Falling Trees, Telegraph Poles or Lampposts |
In addition to these perils, our Buildings policy provides the following additional covers FREE:
| Accidental Damage to Fixed Glass and Double Glazing (Including the Cost of Replacing Frames), Solar Panels, Sanitary Ware and Ceramic Hobs all Forming Part of the Buildings | |
| Accidental Damage to Underground Services | |
| Alternative Accommodation | |
| Additional Expenses | |
| Increased Domestic Metered Water Charges | |
| Anyone Buying the Home will have the Benefit of the Buildings Section | |
| Trace and Access Cover | |
| Replacement Locks | |
| Landscaped Gardens | |
| Fire Extinguishers, Sprinkler Heads and Refilling Sprinkler Tanks | |
| Emergency Access Cover | |
| Closed Circuit Television Systems | |
| Index linking | |
| Legal Liability as Owner of the Home up to £2,000,000, Including the Defective Premises Act 1972 |
Buildings cover can also be extended to include:
| Accidental Damage to the Buildings | |
| Garages Away from the Home | |
| Greenhouses, Sheds and Outbuildings for Tenants |
Contents Cover
Our Contents policy provides cover as standard for loss or damage directly caused by:
| Fire, Lightning, Explosion or Earthquake and Smoke Damage Caused by these Perils | |
| Aircraft and Other Flying Devices or Items Dropped from them | |
| Storm, Flood or Weight of Snow | |
| Escape of Water from Fixed Water Tanks, Apparatus or Pipes | |
| Escape of Oil from a Fixed Domestic Oil Fired Heating Installation and Smoke Damage Caused by a Fault in any Fixed Domestic Heating Installation | |
| Theft or Attempted Theft | |
| Collision by any Vehicle or Animal | |
| Any Person Taking Part in Terrorism, a Riot, Violent Disorder, Strike, Labour Disturbance, Civil Commotion or Acting Maliciously | |
| Subsidence or Heave of the Site upon which the Buildings Stand or Landslip | |
| Falling Trees, Telegraph Poles or Lampposts |
In addition to these perils, our Contents policy provides the following additional covers FREE:
| Freezer Contents up to £1,000 | |
| Additional Money and Credit Cards up to £1,000 | |
| Accidental Damage to TVs, Satellite Decoders, Audio/Video/DVD equipment, Radios, Home Computers and Video Cassette Recorders | |
| Accidental Breakage of Mirrors, Glass Tops and Fixed Glass in Furniture and Ceramic Hobs, plus Accidental Damage to Fixed Glass, Double Glazing and Sanitary Ware Forming Part of the Buildings which Tenants are Legally Liable for | |
| Contents whilst Temporarily Removed | |
| Contents whilst being Moved to a New Home, to or from any Bank, Safe Deposit or Furniture Store | |
| Rent Payable as Occupier if the Home Cannot be Lived | |
| Alternative Accommodation | |
| Tenants’ Legal Liability for Loss or Damage to the Buildings | |
| Accidental Damage to Underground Services which Tenants are Legally Liable for | |
| Fatal Injury Cover Following Death Caused by Burglars or by Fire up to £10,000 | |
| Replacement Locks | |
| Increased Domestic Metered Water Charges | |
| Increased Contents Sum Insured for Wedding Gifts up to £5,000 | |
| Increased Contents Sum Insured for Religious Festival up to £5,000 | |
| Contents Cover for Family Members away at College or University | |
| Index linking | |
| Legal Liability as Occupier of the Home up to £2,000,000, Including Outstanding Awards made to the Policyholder by a Court |
Contents cover can also be extended to include:
| Accidental Damage to the Contents | |
| High Valued Contents | |
| High Valued Collections | |
| Specified and Unspecified Valuables and Personal Possessions while in and away from the Home | |
| Items in Banks/Safety Deposits | |
| Mobile Phones | |
| Laptops | |
| Pedal Cycles | |
| Guns | |
| Musical Instruments | |
| Hearing Aids | |
| Sports/Leisure Equipment | |
| Medical Equipment | |
| Ride on Lawnmowers | |
| Electric Wheelchairs | |
| Mobility Scooters | |
| Quad Bikes | |
| Increased Contents of Garages, Sheds, Greenhouses and Outbuildings |
Cover is subject to the full terms, conditions, limits and exclusions of our Home Insurance policy wording. Please click the Summary of Cover link to view or download a current copy of this policy.