Home Insurance
Exclusive 10% discount for existing car customers
We're now offering home insurance, designed to give you top-notch cover and peace of mind. As a valued car insurance customer, you'll get a 10% discount* when you take out a new policy with 1st Central. Terms and conditions apply.
What our Home Insurance covers as standard
We have two different types of Home Insurance products, Buildings and Contents Insurance, for those of you who need both the contents inside and outside your home covered, as well as the actual building, and Contents Insurance, which just covers all your personal belongings inside and outside your home.
Buildings cover
Buildings cover ranging from £500,000 to Unlimited.
Up to £100,000 of Contents cover
Cover the contents of your home up to £100,000.
Structural damage or loss
This includes loss or damage to the structure of your home.
High value items
Covers items that are at high risk of theft like jewellery and antiques and are kept in the home.
Away from home cover is available as an optional extra.
Alternative accommodation
If your home is unliveable following insured damage, we’ll provide alternative accommodation, so you can sleep easy.
Locks and keys
If your external door or safe keys are lost or stolen, we’ll cover the cost of replacing the locks.
Underground services
This means we cover accidental damage to the mains services, such as underground pipes.
Alternative accommodation
If your home is unliveable following insured damage, we’ll provide alternative accommodation, so you can sleep easy.
Leak cover
We’ll cover the cost of finding a leaking pipe which is causing damage to your building.
Cash cover
Loss or damage to money in your home is insured up to the amount shown on your policy schedule.
Locks and keys
If your external door or safe keys are lost or stolen, we’ll cover the cost of replacing the locks.
Fridge and freezers contents
Food that’s spoiled in your fridge or freezer due to a sudden temperature change is covered.
Emergency access
Covers damage caused by emergency services when gaining access to your home or garden due to a medical emergency.
Damage to contents in outbuildings
Covers damage to your items stored in sheds, garages and other outbuildings.
Site clearance and fees
Covers demolition, site clearance, and professional fees (e.g. architects, surveyors) after an insured event.
Metered water and oil cover
If water or oil is lost due to an accident, we'll cover the cost for you.
What’s included with 1st Central Home Insurance?
Additional cover for extra peace of mind
At 1st Central we know your home is more important than ever, that's why you can choose from a number of optional extras so you can tailor your home insurance to suit your needs. Our Home Insurance add-ons give extra peace of mind, and provide additional support when the unexpected happens, ensuring you can get on with your day.
*Terms and conditions
1. The 10% discount is available on new quotes generated directly through the 1st Central website. The discount is included in the final quoted price shown and is not cashback.
2. The discount only applies to the core home insurance policy and not to any ancillary products.
3. This discount maybe withdrawn at any time and cannot be used in conjunction with any other offer.
4. All new quotations are subject to the prevailing policy terms and conditions. It is possible that we may be unable to offer you a quote.
5. You must be an existing 1st Central customer with a live motor insurance policy to be eligible for this discount. This 10% discount is only available for your permanent address, where your existing motor policy is registered.
6. Any policy purchased with this home insurance discount remains a separate policy and is subject to its individual terms and conditions.
7. By generating a quote, you agree to by bound by these terms and conditions.