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Home and contents insurance

Home contents insurance protects all of your general belongings in the home. Things like clothing, furniture, electrical goods, and personal items.

You can buy home insurance cover which includes buildings insurance and contents insurance or just one or the other. You’ll not normally need buildings insurance if you’re a tenant living in a rented property as the house or flat doesn’t belong to you. It is ’the landlord’s responsibility to have protection for damage to the structure itself.
Our contents cover include cover contents in your garden, such as a bike in a garden shed or outbuilding or even gardening tools left outside.

Key Benefits

• New for Old policy.
• Bedroom rated policy no need to specify amount of cover.
• Contents cover up to £50,000.
• Buildings cover up to £400,000.
• Discount for Combined Building & Contents cover.
• Sum insured rates also available on application.

Contents Cover includes:
• Outbuildings, Garden sheds & Greenhouses £2,000.
• In the open £1000.
• Freezer £250.
• Money & Credit Card £500.
• Locks & Keys £250.
• In a vehicle £1000.
• Visitors personal possessions £250.
• 10% extra cover for your contents over Christmas and family weddings.
• 3 year No Claim Discount.
• Monthly payments by Direct Debit at No Extra Cost - subject to eligibility.
• 24 hour claims and emergency helpline.

Optional extras to add to your policy include:
• Accidental damage to both contents and buildings.
• Family Legal Expenses up to £50,000.
• Personal possessions away from the home.
• Bicycles away from the home.
• Increased voluntary excess to reduce your premiums.

Britcover….. Low Cost, Not Low Cover

Home (Buildings) Insurance policies protects the structure of the building itself. Policies are often taken out alongside a mortgage and are geared towards paying for the rebuilding of a property in the event of an accident. Our policies give protection for  flooding, fire, damage caused by burglars, vandalism and even rioting.

Buildings insurance can be taken out to cover not just the replacement of the property itself, but also the fixtures and fittings. This is the permanent installations in the home, including things like skirting boards, doors, light fittings, and kitchen and bathroom fittings.

Buildings insurance also include things like garages, exterior walls and garden sheds and drains.

Quick online quote

Our online quotation form only takes a couple of minutes to complete and we're extremely confident that we can find a great value home insurance policy that fits your exact requirements.

Please note that all of our quotes are FREE and entirely WITHOUT OBLIGATION. By submitting this form you are agreeing to the terms of our privacy policy.