Home insurance
Home customers saved an average of £87 when they joined us*
![Home insurance for people like you](/static/976272a683f5b59744e488254cad21f9/2a634/home_insurance_hero.png)
The kind of home
insurance you want
Prices and cover
that mean 89% of our customers stay every year**
A Claims service that can pay you direct to cover the cost of replacing items
We’re rated No.1
for Home Insurance on Reviewcentre.com***
Take your pick
Buildings insurance sum covered | £600,000 | £1,000,000 | £1,000,000 |
Contents insurance sum covered | £60,000 | £75,000 | £100,000 |
New for old cover as standard | |||
Alternative accommodation (buildings) | Up to £75,000 | Up to £100,000 | Up to £150,000 |
Alternative accommodation (contents) | £10,000 | £10,000 | £25,000 |
Credit cards in and away from home | £1,000 | £1,000 | £1,000 |
Personal money in the home | £250 | £250 | £1,000 |
Deep freezer contents | £300 | £500 | £750 |
Property owners liability | £2,000,000 | £2,000,000 | £5,000,000 |
Replacement locks or keys | £300 | £500 | £1,000 |
Legal Expenses Select | |||
Home Emergency Select |
Buildings insurance sum covered
£600,000
Contents insurance sum covered
£60,000
New for old cover as standard
Alternative accommodation (buildings)
Up to £75,000
Alternative accommodation (contents)
£10,000
Credit cards in and away from home
£1,000
Personal money in the home
£250
Deep freezer contents
£300
Property owners liability
£2,000,000
Replacement locks or keys
£300
Legal Expenses Select
Home Emergency Select
Buildings insurance sum covered
£1,000,000
Contents insurance sum covered
£75,000
New for old cover as standard
Alternative accommodation (buildings)
Up to £100,000
Alternative accommodation (contents)
£10,000
Credit cards in and away from home
£1,000
Personal money in the home
£250
Deep freezer contents
£500
Property owners liability
£2,000,000
Replacement locks or keys
£500
Legal Expenses Select
Home Emergency Select
Buildings insurance sum covered
£1,000,000
Contents insurance sum covered
£100,000
New for old cover as standard
Alternative accommodation (buildings)
Up to £150,000
Alternative accommodation (contents)
£25,000
Credit cards in and away from home
£1,000
Personal money in the home
£1,000
Deep freezer contents
£750
Property owners liability
£5,000,000
Replacement locks or keys
£1,000
Legal Expenses Select
Home Emergency Select
Understand exactly what you’re covered for
Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.
Policy wordingCreate cover that suits you
Select exactly what you need and we’ll tailor the perfect policy for you.
Home emergency
Legal expenses
Key cover
Cycle cover
Accidental damage
Away from home
If you have Home Emergency Cover, we'll arrange for a contractor to come and put in place a temporary repair during the emergency, to keep you and your home safe.
Claims line open 24/7, all year round
Burst pipes, plumbing and drainage problems
Security cover (if a window gets smashed, for example)
Boiler breakdown, including heating and hot water failures
Helping with your toilet if it’s blocked or won’t flush.
Home emergency
Legal expenses
Key cover
Cycle cover
Accidental damage
Away from home
People love what we do...
Brilliant customer service
Good value policy with great customer service. Unfortunately had a claim last year when a lorry damaged our property, but Policy Expert quickly sorted it out.
Mr P Windows - 20/03/2024
No problems with claims
Great company - paid out my carpet claim with no problem.
Joan Malyon - 20/03/2024
Efficient claims process
I made one claim for damage to a shower room a few years back which was dealt with efficiently. This year I auto renewed as I could not find a more competitive deal elsewhere. When I have contacted the staff they have always been very knowledgeable, helpful and polite.
Eileen B - 03/04/2024
Outstanding service
We recently had a burst in the boiler in the loft affecting a bedroom and lounge. The response from Policy Expert was outstanding... Excellent service from start to finish. Highly recommended.
Ruth Lambert - 13/03/2024