Homeowners Insurance

Homeowners Insurance

1st Central provides Homeowners Insurance at great value, to give you peace of mind that your building and contents are covered. 

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What is Homeowners Insurance? 

Your home is one of the most important purchases you can make. Buying home insurance provides protection in the event of damage to your home and personal belongings. 

1st Central Homeowners Insurance is one of the best options for providing you and your family with the coverage you need.

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What’s included with 1st Central Homeowners Insurance?  

Our Homeowners Insurance provides Buildings and Contents Cover at great value, and you’ll only pay one excess when you make a claim. 

You can choose to add extra cover too, so you can ensure you have the right level of protection for your needs.  

Not sure Homeowners Insurance is what you need? Don't worry, we offer Renters Insurance too, so if you just need cover for the belongings inside your home and not the building itself, this could be the right product for you. Check out our renters insurance now.

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Protecting your home with Homeowners Insurance

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What's included in our Homeowners Insurance?


£500k
Buildings cover

Buildings insurance amount covered up to £500,000

Alternative accommodation

Alternative accommodation if the home can’t be lived in following insured damage

Glass damage

Accidental damage to glass and sanitary fittings 

Leak cover

Trace and access to the source of a leak which is causing damage to the home

Metered water cover

Accidental loss of metered water  

Replacement locks and keys

Replacement locks and keys to external doors and windows of the home, if the keys are stolen or the locks are damaged

Structural damage or loss

Loss or damage to the structure of your home, including garages and outbuildings

Underground services

Accidental damage to the mains services such as underground pipes

£75k
Contents cover

Contents insurance amount covered up to £75,000

Bike cover

Pedal cycles when kept at home, up to the value of £350 

Cash cover

Money that's kept at home

Cover for outbuildings

Contents in outbuildings within the boundaries of the property

Fridge and freezers contents

Loss or damage to the contents of fridges and freezers

Loss and damage

Loss or damage to the contents in the home, including electrical equipment and furniture 

Mirrors and glass damage

Accidental damage to mirrors or glass 

Optional cover

Additional cover is available for valuable items worth more than £1,500 and bikes worth more than £350 as specified items at any time during your insurance cover

Read our Home Insurance policy wording

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What isn't covered?

Homeowners Insurance has its limits, with the below features not included. However, you can purchase our optional extras to enhance your coverage.

  • Damage or loss caused by lack of general maintenance, wear and tear and loss of value over time

  • Home being unoccupied for more than 60 days at a time

  • Deliberate damage

  • Damage caused by pets

  • Accidental damage - is not covered as standard and can be purchased as an optional extra

For full information on what isn't covered in our Buildings & Contents Insurance, check out our Policy Wording.

Start protecting your home

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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.

Full Accidental Damage Cover

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

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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.

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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.

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Personal Possessions Cover

If you need to make a claim for lost or damaged personal belongings, opting for personal possession coverage as an optional extra ensures you'll receive up to £5,000 in coverage.

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Don't just take our word for it

Trustpilot

We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help and Support page.

Go to our help section

Frequently Asked Questions

How do I make changes to my home insurance policy?
If you’d like to make a change to your home insurance policy – like update your personal details, add or remove a joint policyholder or add extra items to your cover – just give our friendly Customer Service team a call on 0333 043 2001 and they’ll take care of this for you.
What are your fees and charges for my home insurance?
Our fees and charges for making a change or for cancelling your policy are in the table below: 
 
Cancellation fees  
Cancelling your policy before it starts, or within 14 days of its start date   £0  
After 14 days of the policy start date   £35 
If we have to cancel your policy – see ‘Cancelling this policy’ for more information    £35 
Fees for making a change    
If we have to make a change because you gave us incorrect information    £25 
If you make a change on the phone   £25 

We don’t charge an arrangement fee at new business or renewal.  

If you cancel your policy within 14 days of purchase, a full refund of the premium will be provided, provided that no claim has been made. If you choose to cancel within the first 14 days and pay by installments, we won't refund any credit finance charges. 

If you cancel your policy 14 days or more after purchase, you'll have to pay for the time you were covered and any cancellations fees. This will only be applicable from the time you contact us or later. We may not refund any premium if you have made a claim, if the instalment payments are not up to date, or if fraud has been comitted.

Do you offer live chat?

We also offer live chat across our sales pages, within Your Account and on our Help & Support page. Look out for the blue chat web chat icon at the bottom right of the page.

You can use web chat to and discuss any queries you may have with our Customer Services, Sales, Renewals, Claims and Payments & Finance team.

You can also make a payment if you’re in arrears, providing we already hold your payment method on your account.

See our opening hours here