Home Insurance
Great value home insurance quotes
Protect your home and everything inside it with 1st Central Home Insurance.
What our Home Insurance covers as standard
Whether you’re looking to protect your home and everything inside it, or just your personal belongings, we’ve got you covered.
We offer three types of Home Insurance:
- Buildings and Contents Insurance
- Buildings Insurance
- Contents Insurance
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.
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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:
1st Central Essentials
All the Essentials at a lower price.
Heres whats covered
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Includes: All standard benefits
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Includes: Alternative accommodation - £30,000
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Includes: Buildings cover limit - £500,000
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Includes: Emergency access - £2,000
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Includes: Leak cover - £2,500
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Includes: Locks and keys - £300
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Does not include: Matching items
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Does not include: Sale of home
1st Central Essentials
All the Essentials at a lower price.
Heres whats covered
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Includes: All standard benefits
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Includes: Contents cover limit - £50,000
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Includes: Locks and keys - £300
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Does not include: Fatal injury benefit
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Does not include: Matching items
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Does not include: Temporary storage
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Does not include: Theft from outbuildings
1st Central
Our standard Home Insurance, offering great all round protection.
Heres whats covered
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Includes: All standard benefits
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Includes: Alternative accommodation - £60,000
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Includes: Buildings cover limit - £650,000
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Includes: Emergency access - £650,000
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Includes: Leak cover - £5,000
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Includes: Locks and keys - £500
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Includes: Matching items - Up to 50%
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Includes: Sale of home
1st Central
Our standard Home Insurance, offering great all round protection.
Heres whats covered
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Includes: All standard benefits
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Includes: Contents cover limit - £75,000
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Includes: Locks and keys - £500
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Includes: Fatal injury benefit - £5,000
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Includes: Matching items - Up to 50%
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Includes: Temporary storage - £5,000
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Includes: Theft from outbuildings - £3,000
1st Central Premier
Our 5* Defaqto Home Insurance with enhanced limits on benefits.
Heres whats covered
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Includes: All standard benefits
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Includes: Alternative accommodation - £100,000
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Includes: Buildings cover limit - Unlimited
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Includes: Emergency access - Unlimited
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Includes: Leak cover - £7,000
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Includes: Locks and keys - £1,000
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Includes: Matching items - Up to 50%
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Includes: Sale of home
1st Central Premier
Our 5* Defaqto Home Insurance with enhanced limits on benefits.
Heres whats covered
-
Includes: All standard benefits
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Includes: Contents cover limit - £100,000
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Includes: Locks and keys - £1,000
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Includes: Fatal injury benefit - £10,000
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Includes: Matching items - Up to 50%
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Includes: Temporary storage - £7,500
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Includes: Theft from outbuildings - £5,000
Create Home Insurance that works for you
We understand how important your home is to you. That’s why you can choose from a number of optional extras, to 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.
Answers to important questions
How do I make a home insurance claim?
We want to take the stress out of making a claim on your home insurance. That's why we've made it possible for you to register your claim online via Your Account.
If you'd rather speak to us about a new claim, just give our team a call 24/7 on 0333 043 2034. Call us as soon as possible after the incident to tell us what's happened, even if you're not sure you want to make a claim.
Am I covered for accidental damage in my home?
Your buildings insurance will automatically include cover for damage to underground drains, pipes, cables and tanks, breakages to sanitary fittings, glass in windows and doors. For an additional cost, you can add Full Accidental Damage Cover, which includes damage related to unintentional and unforeseen incidents like a foot through the ceiling.
Your contents insurance also includes some automatic cover for accidental damage to mirrors, fixed glass in furniture, pictures, ornaments, plate-glass tops to furniture and ceramic in hobs as standard. For an additional cost, you can add Full Accidental Damage Cover, which includes damage caused by tobacco burns and water overflowing from sinks or spillages on carpets.
Please see your policy documents for more detail on the cover limits and terms or call us on 0333 043 2001 to discuss further.
How do I cancel my home insurance policy?
You have the right to cancel your home insurance policy at any time, by calling us on 0333 043 2001
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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 instalments, we won’t refund any credit finance charges.
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If you cancel your policy 14 days or more after purchase, you'll have to pay for the time you were covered and any cancellation 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 committed.
If you cancel you may also be subject to fees.
If you cancel your policy before it starts, you won’t need to pay any fees, and if your payment has already been collected, we can arrange a full refund for you.
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.
What are your home insurance fees and charges?
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.