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Why do I need home insurance?

Having home insurance means you won’t be out of pocket if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.

It can provide cover for buildings (cover against damage to the house itself), contents insurance (for damaged or stolen items within the home), personal possessions (cover for items taken away from the home) and legal expenses.

You can tailor cover to meet your individual requirements.

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Why choose Home Insurance Direct?

Buildings cover includes

Automatic £500,000 sum insured – more if you require
Damage by a list of causes including fire, storm, flood, vandalism, subsidence
Accidental damage to underground pipes and cables, solar panels, sanitary ware
Costs of alternative accommodation – up to £100,000
Damage caused by emergency services
Trace and access following a leak
Replacement locks following loss of keys
Up to £2m for your liability as owner
Available to landlords – including loss of rent

NOTE: Policies are subject to terms and conditions, refer to the policy documents for full details.

Contents cover includes

Automatic £75,000 sum insured – more if you require
Damage by a list of causes including fire, storm, flood, vandalism, theft
Accidental damage to TVs, DVD, audio and home computer equipment
Accidental breakage of mirrors and glass in furniture
Money up to £750
Student’s possessions
Up to £2m for your liability as occupier

NOTE: Policies are subject to terms and conditions, refer to the policy documents for full details.

Other covers available

Personal possessions away from home
(eg mobile phones, laptops/tablets, jewellery, bicycles)
Family legal expenses

NOTE: Policies are subject to terms and conditions, refer to the policy documents for full details.

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