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What is Buildings and Contents Insurance?

Buildings and Contents Insurance provides complete protection for your property. Buildings Insurance covers the physical structure, such as walls and roofs, while Contents Insurance protects what’s inside, like furniture and personal items. Together, they ensure your home and possessions are covered against unexpected events.

Read full policy wording

Filter by cover type:

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.

Explore our range of products

Whatever your needs, we’ve got a policy for everyone with as many or as few features as you like.

Filter our home insurance products by cover type:

All the Essentials at a lower price.

Heres whats covered

Includes: All standard benefits
Includes: Alternative accommodation - £30,000
Includes: Buildings cover limit - £500,000
Includes: Emergency access - £2,000
Includes: Leak cover - £2,500
Includes: Locks and keys - £300
Does not include: Matching items
Does not include: Sale of home

All standard benefits i-plus This is cover for loss of or damage to the contents within the boundaries of your home caused by the following: 

Fire, explosion, lightning, or earthquake
Smoke
Storm or flood
Subsidence, heave and landslip
Falling trees and branches
Falling television and radio aerials (including  satellite dishes) and their fittings and masts
Riot, civil commotion, labour disputes and political  disturbance
Collision involving any:

vehicle  
aircraft (including flying objects) and anything falling from them 
animal

Theft and attempted theft
Vandalism and malicious acts
Escape of water from any:

fixed water tank  
water pipe  
fixed central-heating system
domestic appliance

Oil escaping from any:

Fixed central-heating oil tank
domestic heating appliance

Alternative accommodation - £30,000 i-alternative-accomodation We’ll arrange temporary alternative accommodation if your home becomes uninhabitable following an insured event, such as a fire.

Buildings cover limit - £500,000 i-home This is the maximum we'll pay to rebuild your home if it is damaged or destroyed.

Emergency access - £2,000 i-emergency Covers damage caused by emergency services when gaining access to your home or garden due to a medical emergancy.

Leak cover - £2,500 i-leak Covers the cost of locating and accessing a water or oil leak on your property.

Locks and keys - £300 i-lock If your external door or safe keys are lost or stolen, we’ll cover the cost of replacing the locks.

All the Essentials at a lower price.

Heres whats covered

Includes: All standard benefits
Includes: Contents cover limit - £50,000
Includes: Locks and keys - £300
Does not include: Fatal injury benefit
Does not include: Matching items
Does not include: Temporary storage
Does not include: Theft from outbuildings

All standard benefits i-plus This is cover for loss of or damage to the contents within the boundaries of your home caused by the following: 

Fire, explosion, lightning, or earthquake
Smoke
Storm or flood
Subsidence, heave and landslip
Falling trees and branches
Falling television and radio aerials (including  satellite dishes) and their fittings and masts
Riot, civil commotion, labour disputes and political  disturbance
Collision involving any:

vehicle  
aircraft (including flying objects) and anything falling from them 
animal

Theft and attempted theft
Vandalism and malicious acts
Escape of water from any:

fixed water tank  
water pipe  
fixed central-heating system
domestic appliance

Oil escaping from any:

Fixed central-heating oil tank
domestic heating appliance

Contents cover limit - £50,000 i-contents Covers your possessions that you own inside your home, like furniture, electronics and clothing.
Away from home cover is available as an optional extra.

Locks and keys - £300 i-lock If your external door or safe keys are lost or stolen, we’ll cover the cost of replacing the locks.

Our standard Home Insurance, offering great all round protection.

Heres whats covered

Includes: All standard benefits
Includes: Alternative accommodation - £60,000
Includes: Buildings cover limit - £650,000
Includes: Emergency access - £650,000
Includes: Leak cover - £5,000
Includes: Locks and keys - £500
Includes: Matching items - Up to 50%
Includes: Sale of home

All standard benefits i-plus This is cover for loss of or damage to the contents within the boundaries of your home caused by the following: 

Fire, explosion, lightning, or earthquake
Smoke
Storm or flood
Subsidence, heave and landslip
Falling trees and branches
Falling television and radio aerials (including  satellite dishes) and their fittings and masts
Riot, civil commotion, labour disputes and political  disturbance
Collision involving any:

vehicle  
aircraft (including flying objects) and anything falling from them 
animal

Theft and attempted theft
Vandalism and malicious acts
Escape of water from any:

fixed water tank  
water pipe  
fixed central-heating system
domestic appliance

Oil escaping from any:

Fixed central-heating oil tank
domestic heating appliance

Alternative accommodation - £60,000 i-alternative-accomodation We’ll arrange temporary alternative accommodation if your home becomes uninhabitable following an insured event, such as a fire.

Buildings cover limit - £650,000 i-home This is the maximum we'll pay to rebuild your home if it is damaged or destroyed.

Emergency access - £650,000 i-emergency Covers damage caused by emergency services when gaining access to your home or garden due to a medical emergancy.

Leak cover - £5,000 i-leak Covers the cost of locating and accessing a water or oil leak on your property.

Locks and keys - £500 i-lock If your external door or safe keys are lost or stolen, we’ll cover the cost of replacing the locks.

Matching items - Up to 50% i-sofa If one item in a matching set (like a bathroom suite) is damaged and can't be replaced, we’ll contribute up to 50% towards replacing the undamaged items to match.

Sale of home i-sold-sign Covers for loss or damage to your home between exchanging contracts and completing the sale, ensuring protection during this transition period.

Our standard Home Insurance, offering great all round protection.

Heres whats covered

Includes: All standard benefits
Includes: Contents cover limit - £75,000
Includes: Locks and keys - £500
Includes: Fatal injury benefit - £5,000
Includes: Matching items - Up to 50%
Includes: Temporary storage - £5,000
Includes: Theft from outbuildings - £3,000

All standard benefits i-plus This is cover for loss of or damage to the contents within the boundaries of your home caused by the following: 

Fire, explosion, lightning, or earthquake
Smoke
Storm or flood
Subsidence, heave and landslip
Falling trees and branches
Falling television and radio aerials (including  satellite dishes) and their fittings and masts
Riot, civil commotion, labour disputes and political  disturbance
Collision involving any:

vehicle  
aircraft (including flying objects) and anything falling from them 
animal

Theft and attempted theft
Vandalism and malicious acts
Escape of water from any:

fixed water tank  
water pipe  
fixed central-heating system
domestic appliance

Oil escaping from any:

Fixed central-heating oil tank
domestic heating appliance

Contents cover limit - £75,000 i-contents Covers your possessions that you own inside your home, like furniture, electronics and clothing.
Away from home cover is available as an optional extra.

Locks and keys - £500 i-lock If your external door or safe keys are lost or stolen, we’ll cover the cost of replacing the locks.

Fatal injury benefit - £5,000 i-fatal-injury Provides financial support for you or your partner if a fatal accident or injury occurs at home due to a fire, lightning, explosion or an intruder.

Matching items - Up to 50% i-sofa If one item in a matching set (like a sofa set) is damaged and can't be replaced, we’ll contribute up to 50% towards replacing the undamaged items to match.

Temporary storage - £5,000 i-temporary-storage Covers your items for up to 60 days if you take them to a family member’s home or store them in a bank or safety deposit box within territorial limits. Theft is only covered if there’s forced entry.

Theft from outbuildings - £3,000 i-outbuilding Covers stolen items from locked sheds, garages, and other outbuildings.

Our 5* Defaqto Home Insurance with enhanced limits on benefits.

Heres whats covered

Includes: All standard benefits
Includes: Alternative accommodation - £100,000
Includes: Buildings cover limit - Unlimited
Includes: Emergency access - Unlimited
Includes: Leak cover - £7,000
Includes: Locks and keys - £1,000
Includes: Matching items - Up to 50%
Includes: Sale of home

All standard benefits i-plus This is cover for loss of or damage to the contents within the boundaries of your home caused by the following: 

Fire, explosion, lightning, or earthquake
Smoke
Storm or flood
Subsidence, heave and landslip
Falling trees and branches
Falling television and radio aerials (including  satellite dishes) and their fittings and masts
Riot, civil commotion, labour disputes and political  disturbance
Collision involving any:

vehicle  
aircraft (including flying objects) and anything falling from them 
animal

Theft and attempted theft
Vandalism and malicious acts
Escape of water from any:

fixed water tank  
water pipe  
fixed central-heating system
domestic appliance

Oil escaping from any:

Fixed central-heating oil tank
domestic heating appliance

Alternative accommodation - £100,000 i-alternative-accomodation We’ll arrange temporary alternative accommodation if your home becomes uninhabitable following an insured event, such as a fire.

Buildings cover limit - Unlimited i-home This is the maximum we'll pay to rebuild your home if it is damaged or destroyed.

Emergency access - Unlimited i-emergency Covers damage caused by emergency services when gaining access to your home or garden due to a medical emergancy.

Leak cover - £7,000 i-leak Covers the cost of locating and accessing a water or oil leak on your property.

Locks and keys - £1,000 i-lock If your external door or safe keys are lost or stolen, we’ll cover the cost of replacing the locks

Matching items - Up to 50% i-sofa If one item in a matching set (like a bathroom suite) is damaged and can't be replaced, we’ll contribute up to 50% towards replacing the undamaged items to match.

Sale of home i-sold-sign Covers for loss or damage to your home between exchanging contracts and completing the sale, ensuring protection during this transition period.

Our 5* Defaqto Home Insurance with enhanced limits on benefits.

Heres whats covered

Includes: All standard benefits
Includes: Contents cover limit - £100,000
Includes: Locks and keys - £1,000
Includes: Fatal injury benefit - £10,000
Includes: Matching items - Up to 50%
Includes: Temporary storage - £7,500
Includes: Theft from outbuildings - £5,000

All standard benefits i-plus This is cover for loss of or damage to the structure of your home (including garages and outbuildings) caused by the following: 

Fire, explosion, lightning, or earthquake
Smoke
Storm or flood
Subsidence, heave and landslip
Falling trees and branches
Falling television and radio aerials (including  satellite dishes) and their fittings and masts
Riot, civil commotion, labour disputes and political  disturbance
Collision involving any:

Vehicle  
Aircraft (including flying objects) and anything falling from them
Animal

Theft and attempted theft
Vandalism and malicious acts
Escape of water from any:

Fixed water tank  
Water pipe  
Fixed central-heating system
Domestic appliance

Frost damage to plumbing (within your home)
Accidental damage to underground drains, pipes, cables and tanks
Oil escaping from any:

Fixed central-heating
Oil tank
Domestic heating appliance

Contents cover limit - £100,000 i-contents Covers your possessions that you own inside your home, like furniture, electronics and clothing.
Away from home cover is available as an optional extra.

Locks and keys - £1,000 i-lock If your external door or safe keys are lost or stolen, we’ll cover the cost of replacing the locks

Fatal injury benefit - £10,000 i-fatal-injury Provides financial support for you or your partner if a fatal accident or injury occurs at home due to a fire, lightning, explosion or an intruder.

Matching items - Up to 50% i-sofa If one item in a matching set (like a sofa set) is damaged and can't be replaced, we’ll contribute up to 50% towards replacing the undamaged items to match.

Temporary storage - £7,500 i-temporary-storage Covers your items for up to 60 days if you take them to a family member’s home or store them in a bank or safety deposit box within territorial limits. Theft is only covered if there’s forced entry.

Theft from outbuildings - £5,000 i-accident Covers stolen items from locked sheds, garages, and other outbuildings.

Get a home insurance quote

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How it works

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Follow the online link below.
Choose coverage
We have a range of cover to suit your needs.
Add optional extras
If you want enhanced cover, you’ll be able to add this along the way.

Start a home insurance quote now

Customise your cover / optional extras

We understand how important your home is to you. That’s why we offer a range of optional extras to tailor your home insurance to your needs. These add-ons provide extra peace of mind and essential support when the unexpected happens, helping you get back to normal quickly.

Home Emergency Cover

We'll help alleviate the stress for you when a home emergency arises, providing cover for up to £1,000 per claim.

Home Legal Protection Cover

We’ll provide you with up to £100,000 cover for legal costs for employment disputes, personal injury claims, property disputes, contract disputes and clinical negligence.

Full Accidental Damage Cover

We offer Full Accidental Damage Cover to give your home an additional layer of protection, assisting with unforeseen damage that may occur.

Personal Possessions Cover

If you want to cover your personal belongings whilst they're out of the home, opting for personal possession cover as an optional extra gives you that extra peace of mind. You'll receive up to £5,000 in coverage with an item limit of £1,500

Answers to important questions

Explore all FAQs

Is my property covered for subsidence?

Your property is covered in the event of subsidence during the term of the insurance. Please see your policy documents in Your Account for more details on the cover limits and terms.

If the property has previously experienced subsidence or if you have an ongoing subsidence claim with another insurer, we are unable to provide an insurance policy for you.

Is my property covered for flooding?

Your property is covered in the event of a flood. Please see your policy documents in Your Account for more details on the cover limits and terms.

How do I work out my home rebuilding cost?

In most cases, the rebuild cost usually falls below the market value of your home. However, it doesn’t take into account the value of the land or location, so the rebuild costs might exceed the market value.

If you need help understanding the rebuild cost of your home, there are websites that can assist you, including calculator from the Royal Institution of Chartered Surveyors.

How can I access my home insurance documents?

Your documents are kept safe and sound in Your Account so you can access them whenever you like. Log in using your email address, your password wil be your policy number, and you can change this once you've logged in.

If you have forgotten your password or don't remember setting up an account when you bought your policy, please click on the 'I've forgotten my details' link.

How do I find out the excess on my home insurance policy?

Your excess amounts are outlined in your policy documents. The excess is the payment you make towards the cost of your claim. Further details on this can be found in your policy documents in Your Account.

Voluntary excess
A voluntary excess is chosen by you and is the amount you are willing to pay towards a claim. You should consider the most you would want to pay in the event of a claim before proceeding.

In the event of a claim, this is payable in addition to the compulsory excess and will be deducted from the overall claim settlement.

Please note, sometimes you may need to pay your excesses up front for repairs to your home.

Compulsory excess
All policies include a compulsory excess. The excesses below apply to buildings, contents, personal possessions and bicycles.

Where a claim is made for more than one section of cover, we will only apply one excess, but the higher excess will always apply.

In the event of an escape of water claim or subsidence claim, you will be charged the relevant excess in replacement of the compulsory excess. More information can be found in the policy wording or refer to your Schedule.

Example of all excess for building and contents

	Compulsory	Voluntary	Total
Buildings	£200	£250	£450
Contents	£200	£250	£450
Escape of water	£450	-	£450
Subsidence	£1,000	-	£1,000
Personal possessions	£100	-	£100
Bicycles	£100	-	£100

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Buildings and Contents Insurance What is Buildings and Contents Insurance?

What is Buildings and Contents Insurance?

Filter by cover type:

Buildings cover

Up to £100,000 of Contents cover

Structural damage or loss

High value items

Alternative accommodation

Locks and keys

Underground services

Alternative accommodation

Leak cover

Cash cover

Locks and keys

Fridge and freezers contents

Emergency access

Damage to contents in outbuildings

Site clearance and fees

Metered water and oil cover

Explore our range of products

1st Central Essentials

Heres whats covered

1st Central Essentials

Heres whats covered

1st Central

Heres whats covered

1st Central

Heres whats covered

1st Central Premier

Heres whats covered

1st Central Premier

Heres whats covered

How it works

Customise your cover / optional extras

Home Emergency Cover

Home Legal Protection Cover

Full Accidental Damage Cover

Personal Possessions Cover

Answers to important questions

Thinking about Buildings and Contents Insurance?

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