Buildings and contents insurance

There’s nothing standard about our standard policy. Some home insurance policies charge separately for things like home emergency cover, but we include these as standard.
Buildings coverUp to £750,000 building cover
Contents cover

£75,000 home contents cover with optional accidental damage. You can use our household contents checklist guide to identify the costs of items in your home. 

Please note - if you have specific high-value items or require a greater level of cover for your buildings and contents, please call our team to discuss your specific requirements.

Home emergency icon24 hour Home emergency cover as standard
Legal expensesUp to £50,000 legal expenses cover as standard
ValuablesUp to £3,500 for accidental loss or damage to personal belongings that you take away from your home
MoneyUp to £1,000 personal and charity money cover  
MoneyLoss or theft of house keys

We do not cover

ChairsWear and tear (this naturally happens to all properties and possessions over time, and as such is not covered by most insurance policies)
accidental damageDamage due to lack of maintenance (the cost of maintaining your property or contents due to wear and tear is not covered by this policy)


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Members of the clergy and church workers

If you are a member of the clergy or a church worker we offer a discount and an enhanced policy that covers some of the work you do for the church.

Visit the clergy home insurance page

accidental damage

Charity workers

There is also a 15% discount available to charity workers - simply quote 'charityworker' on the phone or in your online quote to claim.

Please be aware that minimum premiums will still apply.


We will send you a renewal pack within 21 days of your renewal date. It will have details of your renewal premium, any changes to the policy wording and cover, and a reminder of what you have told us, so you can update us if anything has changed.
If you pay by Direct Debit, your policy will automatically renew, you only need to contact us if your circumstances have changed. If you wish to amend or cancel your policy please contact us by calling the phone number 0345 777 3322 before your renewal date.
If you pay by any other means, please note, we don’t auto-renew. You can renew your policy by calling the phone number 0345 777 3322. If you choose not to renew, your cover will end when your existing policy expires.
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