Your cover options

Home insurance

Core Buildings Only

We’ll cover you for the structure of your home and other permanent structures on your land such as garages and outbuildings, drives and walls against damage by fire, flood, subsidence and other similar causes.

  • £500,000 worth of cover as standard
  • Includes short-term alternative accommodation for your family if you’re not able to live in your home as a result of damage, e.g. after a flood or fire.
  • Includes replacement of locks and keys if they’ve been lost, stolen or damaged.

Claims are subject to excess. Get a quote

Core Contents Only

We’ll provide you with cover for contents in your home against loss or damage by fire, flood, storm, theft, escape of water and other similar causes.

  • £60,000 of cover as standard
  • Cover for items such as furniture, soft furnishings, free-standing white goods, e.g. your fridge.

Core Contents Only does cover items that are included in the Extra Cover Options such as personal items or technology and entertainment, whilst in your home.

Core Contents Only does not include items covered under the Buildings Core Cover, or the Gardens Extra Cover.

Claims are subject to excess. Get a quote

Core Buildings and Contents Cover

This cover includes everything from the core buildings only and the core contents only options.

Please note there are limitations and exclusions on all home insurance policies. Further details are available when you get a quote.

Please view our policy wording for more detail on each of the core options.

Get a quote

More Affordable Flood Cover

Flooding has affected our region considerably in the past. We understand it might be a key concern for some of our customers when looking for home insurance.

Our home insurance cover has access to the Flood RE scheme built in as standard, subject to the Flood RE eligibility criteria. Flood RE is an initiative between the Government and insurers that makes the flood cover part of household insurance policies more affordable, even if your home has flooded before, or is in a high-risk area.

Get a quote

Once you have decided on your core cover option, it’s time to customise your policy and choose the extra cover options that work best for you.

You can get a quote online to see how each option could affect your cover price.

Accidental Damage

(Available with all core options)

You can add Accidental Damage cover to your core Buildings and/or Contents cover. And because this doesn’t include items covered in other packages, you won’t pay to insure the same things twice.

Please check our policy wording to see everything that is and isn’t covered. Claims are subject to excess.

Technology and Entertainment

(Available with Core Buildings & Contents, or Core Contents Only)

Covers items such as TVs, music players, computers, mobile phones, games consoles, music downloads and much more, both in and away from your home. Items included in this option will be automatically covered for accidental damage.

  • Standard level of cover £500
  • Option to increase the cover up to £15,000

Please check our policy wording to see everything that is and isn’t covered. Claims are subject to excess.

Personal Items

(Available with Core Buildings & Contents, or Core Contents Only)

From your glasses to cash or your push bike, make sure you have enough cover for all your personal items, whether you are at home or out and about.

  • Standard level of cover £500
  • Option to increase the cover up to £25,000
  • Single article limits apply
  • Inner limits apply to pedal cycles

Please check our policy wording to see everything that is and isn’t covered. Claims are subject to excess.

Garden

(Available with Core Buildings & Contents, or Core Contents Only)

Protect your plants, garden furniture, lawns, tools and children’s outdoor toys.

  • Standard level cover £500
  • Option to increase the cover up to £10,000

Please check our policy wording to see everything that is and isn’t covered. Claims are subject to excess.

Home Emergency

(Available for homeowners*, available with all core options)

Access to advice and assistance 24/7, and help with the cost of home emergency assistance. If your home can’t be lived in, we’ll also cover alternative accommodation for you and your family.

  • Up to £500 of cover per claim as standard

Please check our policy wording to see everything that is and isn’t covered.

*Home emergency cover is not available with policies for rental properties.

Legal

(Available with all core options)

Get access to a wide range of solutions, including professional mediation, concerning personal injury, consumer protection, residential, employment and tax issues.

  • Up to £50,000 of cover per claim as standard

Please check our policy wording to see everything that is and isn’t covered. Claims are subject to excess.

Important – there are limitations and exclusions with all home insurance policies. Further details are available when you get a quote.

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Important Information

As an intermediary, we act on behalf of RSA in arranging your insurance. Your insurance will be underwritten and administered by RSA (Royal and Sun Alliance plc (No 92792). Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We do not ask you to pay a fee but we receive a commission from RSA which is a percentage of the total annual premium paid by you each year.