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 expenses iconUp 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  
Loss of keysLoss 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)

Discounts

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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

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Charity workers

There are also discounts 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.

Already a customer?

Find information on renewals, policy documents, claims and emergency contact numbers.

I am a customer

Renewals and auto-renewal

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 at the end of the policy term, giving you the peace of mind of continued cover. When this happens your monthly payments will continue according to a revised payment schedule reflecting your renewal premium. You can opt out of auto-renewal at any time by contacting us on 0345 777 3322, emailing household@ecclesiastical.com or by completing the website form. If you opt out, you will need to contact us prior to your renewal date if you wish to renew your policy, otherwise your cover will cease when your existing policy expires leaving you with no insurance.
  • If you pay by any other means, please note, the policy will not automatically renew. You will need to contact us if you wish to renew your cover.

Please note that in rare instances due to a change in risk or circumstances, we may be unable to offer renewal, in which case we will notify you.

Please note - calls to 03 numbers are typically charged at no more than local rate.

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FAQs

If you make a change in your policy cover and this results in a charge or refund of premium for the period up to the renewal date of the policy , then such a charge or refund will only be made by us if exceeding £15 plus insurance premium tax.

We do not make an administration charge for processing changes you require.

Yes, all apart from household linen and clothing.
Household goods, furniture, furnishings, clothing, personal belongings and valuables all belonging to you or for which you are legally responsible.
If the subsidence has happened in the past 15 years then, unfortunately, we will be unable to offer a quotation for your property.
 
If the subsidence occurred over 15 years ago, then before we are able to offer a quotation, we would need to see an up-to-date structural engineer’s report that has been completed within the last three years. Once this has been received, we will then decide if we are able to offer a quotation for your property.
We can still offer you a quotation if your property is listed. We will need to know which Grade the building is.
We can transcribe your documentation, letters and schedules using the following alternative formats:
 
  • Braille 
  • Large print 
  • Audio 
  • Tactile 
  • Audiobook
If you would like us to arrange this for you, please contact our Customer Services Team on 0345 777 3322.
If your son/daughter stays at your property during university breaks then they will be covered for their contents. The most we will pay for contents whilst in the student accommodation is £5,000 in any one period of insurance. No cover is provided for your son/daughters contents in the student accommodation for loss or damage caused by theft to items away from your home unless force is used to get into or out of a building.
 
As long as you have Portable items cover under your policy then any items your son/daughter takes away from their student accommodation will be covered. The Portable items sum insured will need to be sufficient to cover the whole family. Please note that if there is more than one child at university then the £5,000 is split between them.
If your bike is under £750 it is automatically covered under the policy.  If your bike is worth more than £750 then this will need to be specified on the policy individually and will need to be locked to a permanent fixture whilst being kept in an outbuilding.
 
If you take your bike away from the home you will need to ensure you have opted for the Portable items element of the policy and your bike will need to be locked to a permanent fixture when it is unattended.  No cover is provided if you are using your bike while racing.
Yes. You have up to £1,000 personal money cover included on the policy. Personal money means bank notes and coins that are not part of a collection, cheques, postal orders, bank drafts, travel tickets, traveller’s cheques, postage stamps, savings stamps and certificates and premium bonds.
 
The cover also applies for up to 90 days in any one period of insurance, elsewhere in the world.
Using your property to carry out clerical duties in relation to your work is automatically covered. 
 
We also provide cover for your computers and their accessories, office equipment and office furniture, used only for clerical and administrative use up to £10,000. We do not provide any cover for your business stock.
 
If you have visitors to your property or if there is any other form of business use, please contact us and we will be happy to discuss this with you. 
We do offer a no claims bonus on our policy to reward customers who are claim free. We can offer a maximum of five years no claims discount but if a claim is made on the policy this is reduced to nil.
For every year you then remain claim free, you will be able to build this back up to the maximum of five years.
If you lose the keys to your home or they are stolen or there is accidental damage to the locks of the outside doors or windows we will pay for reasonable and necessary costs of:
 
(a) gaining access to your home
(b) repairing or replacing the locks
 
The most we will pay for any one claim is £1,000.
An excess is the first monetary amount that you will pay towards a claim. Under our policies the excesses are £1,000 for subsidence, £250 for any escape of water or oil claim and £75 for any other standard claim. We do have the option to add on voluntary excesses which would be added to the already existing excesses.
On request we can provide cover under your contents policy for small boats (measuring less than 5 meters and not having a top speed over 15 knots), craft, surfboard or a sailboard.  
 
If you require cover please contact our team on 0345 777 3322.
This will not reduce the premium in any way; however your property may be in an area that requires you to meet certain security requirements. We will be able to tell you this.
If you have opted for this cover then it is provided under the Portable items section of our policy. This will cover any items that you take away from your home and on holiday so can cover mobile phones (handset only), laptops, camera equipment or jewellery.
 
Any items that you take away from your home that are valued over £3,500 will need to be specified on the policy individually. Cover is provided for your portable items anywhere in the world up to 90 days in total during the period of insurance
The contents in your freezer will be covered up to your contents sum insured.
Yes. If you carry out some voluntary work for the church, then we are able to offer a discount for this.
Yes. We have Home Emergency cover included under your household policy. DAS Legal Expenses Insurance Company Limited handle these claims on our behalf and you can use this for anything from roof damage, plumbing and drainage, your main heating system, the domestic power supply, the toilet unit, home security to vermin.
 
If you need to make a claim under this section of the policy, please call DAS on 0345 268 8469.
The permanent structures within the boundaries of your home including any garages or outbuildings used only for domestic purposes and home office use, permanent fixtures and fittings including statues and fountains, hot tubs permanently fixed to the ground, wind turbines and solar panels fixed to the buildings or fixed to the ground, swimming pools, tennis courts, paths, drives, terraces, patios, walls, fences, hedges and gates as long as these are all within the boundaries of the land belonging to your property.
Yes. The contents in these buildings will be automatically covered up to £5,000
Yes. We have a 60 day ruling on the policy. After 60 days the cover on the policy may change and so we will need to know if the property will be unoccupied.
There is liability cover included on your policy automatically up to a limit of £2,000,000.

We will pay 50% of the cost of replacing undamaged items which form part of:

  • a pair;
  • a set, collection or suite; or
  • a matching or uniform design, nature or colour,
with an item that has suffered from damage that is covered under the buildings or contents section of the policy.
Visit the Association of British Insurers website and this will ask you some questions to determine the rebuild value of your property.
We define valuables as jewellery and precious metals, clocks and watches, furs, pictures and works of art, stamp, coin and medal collections.
If you need to do this then you will need to either call us direct on 0345 777 3322, write a letter or send an email to household@ecclesiastical.com.
If the work taking place is in excess of £25,000, please complete our Buildings Work Questionnaire and send it back to us.
 
If the work taking place will be less than £25,000, please contact us to let us know and allow us to note your policy accordingly.
No. We are able to offer new business quotations to all members of the public as well as clergy members.

If your home cannot be lived in because of damage covered by your policy, we will pay 20% of the sum insured to help you with reasonable and necessary costs of your temporary accommodation (see policy document for full details).

Standard cover will cover your property and/or contents for the perils noted in the policy document, e.g. fire, storm, flood and subsidence.

Accidental damage cover will provide cover for your property and/or contents for any damage caused accidently, for example, spilling paint onto a carpet or putting a hammer through a wall whilst carrying out some DIY.

Accidental Damage is an ‘add-on’ which means it is entirely your choice to have this optional extra.

We will cover the reasonable and necessary costs incurred with our consent to: locate the source of leaking water or oil from any fixed water or heating system in your home; and repair any damage caused in locating the source of the leak. If there is a gradual cause such as wear and tear or corrosion, the cost of replacing the part and additional labour is not included.

The most we will pay is £5,000 for each leak.

The fences at your property will be covered under this insurance. However, damage caused by storm or flood to fences, hedges or gates will only be covered if the main building, garage or outbuilding is damaged at the same time.

We can offer a policy to cover your let property but this is not a specific commercial landlord’s policy.

The cover does not include loss of rent or rehoming the tenants should they no longer be able to reside at the property.

The Legal expenses section does not cover adverse possession.

Home insurance policies are designed to cover sudden and unexpected identifiable events such as fire or flooding to your home. 
 
Wear and tear, however, naturally happens to all properties and possessions over time, and as such you will find wear and tear is not covered on most insurance policies. 
 
The cost of maintaining your property or contents or replacing items due to wear and tear is not covered by our policy. 
 
There are a few simple things you can do to prevent wear and tear causing you a problem: 
 
  • Check your property regularly 
  • Ensure you carry out routine maintenance 
  • Fix problems as soon as they arise.