HOME INSURANCE Download to Excel

Please see a list of companies that offer home insurance. You can find companies that offer standard home insurance or combinations for home and contents. Additionally, you might want cover for your home and property for rebuilding work.

Use the user-friendly comparison table to look at the main features – such as which policies are offered and what cover is included – and for more information simply click on 'more information' for each provider. There, you can view a more detailed outline of each service and even read relevant reviews.

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There are lots of options for cover so take as much time as you need to find a service which suits your personal situation. For instance, you might be looking for a policy which includes cover for accidental damage if you have small children.

Once you have found a suitable service simply click on 'Apply' to be guided through the next steps.

Home Insurance Information

PROVIDER	TYPE	HOME INFO	POLICY	COST	EXCESS	COVER	METHODS	SUITABLE FOR	APPLY
eHome Insurance	Home Insurance Provider	Maximum of 5 bedrooms	Building, Contents, Building and Contents Insurance	Dependent on Policy	Ask on application	Type Cover Type Building Insurance, Contents Insurance, Building and Contents Insurance Level Cover Level Basic - Standard Detail Cover Detail Building & Contents Standard Policy An annual policy that offers outstanding cover and flexibility. 1. Buildings cover calculated automatically 2. Contents Cover £55,000 3. Cover for items away from the Home 4. 365 days a year - worldwide. 5. Working from home equipment. 6. Bike helmets and leathers (whilst in use). 7. Cover for bicycles and pedal cycles. 8. Legal Cover. Buildings Only Policy Provides cover for a wide range of perils as well as the usual flood, fire and storm etc. 1. Buildings cover calculated automatically. 2. Alternative accommodation following an insured loss. 3. Accidental damage to fixed glass, sanitary fixtures and underground services. 4. Legal Cover. Contents Only Policy Automatically give you £55,000 contents cover so there's less for you to worry about. 1. Cover is provided for the following: Home working equipment. Valuables. House hold items including carpets and curtains. Freezer contents. Replacement Locks. Legal Cover.	Online	Direct insurance for both buildings and contents
eHome Insurance	eHome can provide you with direct insurance for both buildings and contents insurance. You can apply for either a building insurance policy, contents insurance policy or both buildings and contents policy. You can manage your policy online, 24 hours a day, 7 days a week. eHome provide insurance whether you own or rent your property. MORE INFORMATION >>							Restrictions Restrictions See Policy Summary for Significant Exclusions or Limitations Services Services 1. Legal Cover. 2. Home Emergency and Garden Cover 3. Personal Accident Cover. Advantages Advantages 1. Maintain your policy online - log in to change your address, add specified items or renew your policy all at your convenience. 2. Cover is provided New for Old. 3. Legal Cover/Home Emergency and Garden Cover and Personal Accident Cover Disadvantages Disadvantages 1. New business and Renewals - £42.50 2. Mid-term alterations - £15.00 3. Cancellations - £25.00 (also see below) 4. Refunds of less than £15 will not be allowed.
Barclays Home Insurance	Home Insurance Provider	Restrictions apply	Buildings and Contents Insurance	Varies	Standard £100	Type Cover Type Buildings and Contents Insurance Level Cover Level Standard Detail Cover Detail Standard buildings insurance cover up to £500,000 Accidental damage to fixed glass, like windows and shower screens, and sanitary fixtures - Up to buildings sum insured Accidental damage to underground services, including pipes, septic tanks and drain covers -Up to buildings sum insured Your legal liability as owner of your home - Up to £2 million Alternative accommodation for you and your pets - 20% of the buildings' sum insured Damage to your property by the emergency services - Up to buildings sum insured Standard excess £100 Standard contents insurance cover up to £50,000 Accidental damage to audio, TV and recording equipment, games consoles and computers - Up to contents sum insured Money in your home - Up to £250 Christmas and wedding presents - Up to £3,000 Replacement external locks if your keys are stolen - Up to £500 Valuables like jewellery and antiques - Up to £10,000 The contents of your freezer - Up to £400 Accidental damage to mirror and glass - Up to contents sum insured Garden contents - Up to £500 Alternative accommodation for you and your pets - Up to £10,000 Loss or damage to your contents when being moved by professional furniture removers - Up to contents sum insured Standard excess - £100	Online	The convenience of a single policy for buildings and contents insurance
Barclays Home Insurance	Barclays offer you three months’ free cover plus an extra 25% online discount if you apply for their home insurance. You receive up to £500,000 on building insurance and £50,000 on contents insurance. Barclays provide you with a minimum 12-month guarantee on repairs and replacements arrange by them. MORE INFORMATION >>							Restrictions Restrictions See website terms and conditions for restriction. Services Services 1. Claims service – available 24 hours a day, 365 days a year 2. Monthly payment option. Advantages Advantages 1. The policy will remain for 12 months from the date of commencement 2. Three months' free cover plus an extra 25% online discount, including optional extras 3. Up to £500,000 buildings cover, 5 star rated by Defaqto 4. Protect your possessions with up to £50,000 contents cover Disadvantages Disadvantages 1. For most claims the excess is £100, unless indicated otherwise on your Policy Schedule. An excess of £1,000 normally applies for subsidence under the Buildings Section 2. £12 charge for any adjustments you make to your policy.
Liverpool Victoria Home Insurance	Home Insurance Provider	See website for exclusions	Liverpool Victoria Home Insurance	Varies	Varies	Type Cover Type Buildings and Contents Level Cover Level Optional home insurance extras available Detail Cover Detail 1. Your buildings and your contents 2. Just your buildings 3. Just your contents 4. Your belongings when you take them away from your home (with contents insurance)	Online	Building and Contents Insurance
Liverpool Victoria Home Insurance	Liverpool Victoria have been awarded a Defaqto 5 star rating for buildings and contents cover and offer you flexible home insurance that offers great cover. You receive a special discount if you purchase a new policy online and a further discount if you decide to take out both buildings and contents cover. MORE INFORMATION >>							Restrictions Restrictions Significant exclusions or limitations applicable to all policies Services Services UK call center Advantages Advantages 1. A special online discount for new policies 2. The flexibility to choose the amount of contents cover you want 3. Up to £1million cover for buildings as standard 4. Up to £25,000 cover for the cost of alternative accommodation if you can't live in your home in the event of a claim 5. Identity fraud assistance helpline automatically included 6. Further discount for taking both buildings and contents cover 7. A UK-based call centre and 24-hour claim line 8. Defaqto 5 star rating for buildings and contents cover Disadvantages Disadvantages 1. Significant exclusions or limitations applicable to all policies 2. You have to pay an excess. 3. You must apply to obtain an accurate quotation
Saga Home Insurance	Home Insurance Provider	See website for exclusions	Buildings Insurance and Contents Insurance	Depending on Policy	Ask on application	Type Cover Type Standard Accidental Damage, Extended Accidental Damage, Cover Plus Level Cover Level Comprehensive Detail Cover Detail Additional Cover options available 1. Personal Belongings In and Away From Home Cover 2. Legal Expenses Cover 3. Domestic Emergency Cover 4. Garden Cover 5. Other Additional Cover Options	Online	Over 50’s
Saga Home Insurance	When you switch to a Saga Home Insurance Policy, they will pay any standard transfer charges which may be applied by your current insurer, up to £25. The Saga Home Insurance Policy offers a range of additional cover options, including Legal Expenses Cover, Domestic Emergency Cover and Identity Theft Cover. MORE INFORMATION >>							Restrictions Restrictions See website for terms and conditions Services Services 1. Saga will pay any standard transfer charges applied by your current insurer, up to £25. 2. A choice of cover levels 3. No forms to complete Advantages Advantages 1. Automatic cover for buildings insurance, up to £500,000 and contents insurance up to £50,000. 2. New for old replacement of items if repair is not feasible, such as a broken mirror (including clothing and household linen with Cover Plus). 3. Full protection when your home is unoccupied for up to 60 days in a row. 4. 24 hour legal helpline. 5. Your switching fees paid 6. A range of additional cover options 7. A choice of cover levels Disadvantages Disadvantages 1. There are maximum claims limits 2. Significant exclusions or limitations applying to buildings and contents insurance: (a) The excesses shown in your Schedule. (b) Cover may be restricted by an endorsement/clause shown on your policy Schedule. For example, theft cover may be restricted under contents cover unless certain security measures are in force. (c) Damage caused by wear or tear, poor maintenance or anything which happens gradually (d) Any losses or damage caused deliberately by you, or someone who you have given permission to be in your home.
Swinton Home Insurance	Home Insurance Provider	No claims	Swinton Home Insurance	Depends on cover level and policy	Varies	Type Cover Type Contents only, Buildings only or a Combined policy. Level Cover Level Standard Detail Cover Detail 1. Up to 1/3 off 2. £500,000 buildings cover as standard 3. £50,000 contents cover as standard 4. Cover for flood and storm damage 5. Up to 30% no claims discount	Online, Tel, Branch	Cheap home insurance
Swinton Home Insurance	Swinton provide cheap home insurance and give you complete peace of mind. They offer you up to 1/3 off, £500,000 buildings cover as standard and £50,000 contents cover as standard, Cover for flood and storm damage and up to 30% no claims discount. You can tailor your cover to suit you. MORE INFORMATION >>							Restrictions Restrictions See Policy Wording for exclusions and restrictions Services Services Whichever policy you decide to purchase you can choose to tailor your policy to suit your needs and requirements you can add additional accidental damage personal possessions cover so that your possessions are covered away from the home and even change the amount of excess you pay Advantages Advantages 1. Up to 1/3 off 2. £500,000 buildings cover as standard 3. £50,000 contents cover as standard 4. Cover for flood and storm damage 5. Up to 30% no claims discount Disadvantages Disadvantages 1. Contents limit of up to £50,000 and a Buildings limit of up to £500,000 2. Restrictions and exclusions apply.
Endsleigh Home Insurance	Home Insurance Provider	Apply for more information	Endsleigh Home Insurance	From £4.30 a month	Varies	Type Cover Type Buildings and Contents Level Cover Level NEW for OLD Detail Cover Detail 1. Up to 45% no claims discount 2. Up to 12.5% discount for combined buildings and contents insurance 3. Home emergency cover 4. Accidental damage cover 5. New for old replacement 6. Stolen key cover 7. Up to £50,000 legal cover 8. Garden contents cover 9. Home office cover	Online	Not suitable for full-time students.
Endsleigh Home Insurance	Endsleigh is a leading UK provider of home insurance policies and can help you secure cheap home insurance whether you want to insure your buildings, their contents or both. If you take out joint buildings and contents insurance you could get a further 12.5% discount on top a 45% no claims discount. MORE INFORMATION >>							Restrictions Restrictions Exclusions and limitations apply to all policies. Services Services If you take out joint buildings and contents insurance with us you could get a further discount of up to 12.5% Advantages Advantages 1. They can cover just your belongings in shared accommodation. 2. They offer low sums insured, so you only pay for what you need. 3. Their policies include excellent benefits at no extra cost. 4. Spread the cost and pay monthly, from just £4.30 per month. 5. Quick and easy cover with no paper work to complete. 6. They can provide cover for your changing needs and match your lifestyle. 7. All of the insurance consultants are UK based. Disadvantages Disadvantages 1. Exclusions and limitations apply to policies. 2. You have to pay an excess if you make a claim. 3. You need to apply to obtain a quotation.
Legal and General Home Insurance	Home Insurance Provider	Under 5 bedrooms	Building and Contents Insurance	Dependent on policy	Depended on policy	Type Cover Type Building and Contents Insurance Level Cover Level Standard Detail Cover Detail 1. Loss / damage from fire, storms, floods, falling trees, theft, attempted theft, malicious acts or vandalism. 2. Home emergency cover up to £150 - for call out charges, labour and parts for certain emergency repairs, for example a burst pipe or break in 3. New for old (except for clothing more than two years old) 4. Accidental damage to computers, TVs and stereos 5. Accidental breakage of mirrors and fixed glass in furniture 6. Credit card cover up to £5,000 - if you suffer a loss from credit card fraud 7. Contents in the garden within the boundaries of your home up to £1,000 8.	Online	You have a good claims history
Legal and General Home Insurance	Legal and General offer to save you 43% on their standard rate home insurance. Included in this policy is home emergency cover, for emergencies such as a burst pipe or break in, they offer to replace your contents new for old and they even cover your freezer contents up to £1,000. When your quote is displayed, you can add more products to suit your needs. MORE INFORMATION >>							Restrictions Restrictions The policy does not cover the following: 1. The first £100 of each claim (or for escape of water claims, the first £250 and in the case of subsidence, heave or landslip, the first £1,000). 2. Storm or flood damage to fences, gates and hedges. 3. Routine maintenance or wear and tear.# 4. Money stolen from your home unless it was entered by force. 5. Accidental damage to portable items like video cameras and hand held computer games, unless you've taken out contents extended accidental damage or personal possessions cover. 6. If your home has been empty for more than 60 consecutive days, we won't cover loss or damage from malicious acts, vandalism, theft, water or oil leaks, breakage of glass or sanitaryware, or frost damage to any plumbed in domestic water or heating installation. Services Services 1. Legal helpline - for expert advice on all kinds of domestic legal problems, you can call the 24 hour helpline 2. Domestic emergency helpline - a 24 hour helpline if, for example, a pipe bursts or a drain blocks. Advantages Advantages 1. Customer service helpline 2. Include home emergency cover for certain emergencies, such as a burst pipe or break in – up to £150 3. Replace your contents new for old (except for clothes more than two years old 4. Provide alternative accommodation should you need to move out of your home temporarily because of an insured event, like a fire 5. Automatically increase your contents sum insured by 10% one month before and after special events like Christmas or a wedding 6. Home insurance includes credit card cover - if you suffer a loss from credit card fraud - up to £5,000 7. If your keys are stolen, Legal and General will replace your locks and keys – up to £1,000 8. Cover your freezer contents up to £1,000 Disadvantages Disadvantages 1. The policy does not cover the first £100. 2. The policy does not cover routine maintenance or wear and tear. 3. Home insurance is designed to cover certain unforeseen events and doesn’t cover everything.
Kwik Fit Home Insurance	Home Insurance Provider	5 bedrooms as standard	Kwik Fit Home Insurance	Varies	Varies	Type Cover Type Buildings and Contents Level Cover Level Standard Detail Cover Detail Buildings Insurance - This covers: The structure of your home including any gates, hedges and walls. Structures within the boundaries of your home such as garages and sheds. All permanent fixtures and fittings such as kitchen units, fitted wardrobes and bathroom suites. You are covered against fire, storm or flood, theft, malicious persons or vandals, subsidence and escape of water. This also includes: Free replacement of locks if your keys are stolen - up to £500 Accidental damage to glass and sanitary ware Up to 20% of the buildings sum insured to pay for the cost of alternative accommodation if the home cannot be lived in because of loss or damage. Optional Accidental Damage Cover For extra peace of mind, you can choose to add our Accidental Damage cover to your buildings cover. This will cover accidental damage to your home (e.g. drilling through a pipe or putting your foot through the ceiling while in the loft) Contents Insurance - This covers Only items within the household are insured. If you want cover outside the home, you will need Personal Possessions cover (see below). All household goods Valuables - items over a certain value will need to be specified Money in the home including unauthorised use of any cards - up to £250 You are covered against fire, storm or flood, theft, malicious persons or vandals, subsidence and escape of water. This also includes: Accidental damage to any home entertainment equipment e.g. TVs, DVD players, hi-fis and home computers Accidental breakage of mirrors and fixed glass in furniture Freezer contents - up to £500 *Contents in the garden - up to £500 Optional Accidental Damage Cover For extra peace of mind, you can choose to add our Accidental Damage cover to your contents cover. This will cover any accidental damage to, e.g. your carpets, curtains, furniture, etc. It would also cover mishaps such as knocking over an ornament or vase. Optional Personal Possessions Cover This provides you with cover for your personal belongings (including pedal cycles), money and valuables away from the home. Well even cover them anywhere in the world for up to 60 days a year. Policy terms, conditions and exclusions apply to all of the above. These can be found in the policy wording.	Online, Tel	Building and contents insurance
Kwik Fit Home Insurance	Kwik Fit Home Insurance protects your contents and building for the unexpected. If you take out combined buildings and contents cover you will receive a 15% discount. It only takes a few moments to get a home insurance quotes, all you need to do is enter your details online. MORE INFORMATION >>							Restrictions Restrictions Exclusions and limitations apply to all policies Services Services £20 virgin wine voucher with every quote. Advantages Advantages 1. Up to 15% online discount on combined cover 2. New for old contents cover 3. Up to £500 free replacement locks 4. Up to £500 freezer contents cover 5. Up to £500 garden contents cover Disadvantages Disadvantages 1. Reduction for wear and tear on clothing, furs and linen. 2. Exclusions and limitations apply to all policies. 3. You must apply to obtain a quotation
Virgin Home Insurance	Home Insurance Provider	Buildings and contents for self-contained homes with own front door	Virgin Home Insurance Policy	Dependent on Cover	Not stated	Type Cover Type Contents only, Buildings only or a Combined policy. Level Cover Level Standard Detail Cover Detail You are covered against Fire, smoke, lightning, explosion or earthquake. Riot, civil commotion and political disturbances. Storm or flood. Theft, attempted theft, vandalism or other malicious acts. Oil or water escaping from your heating system or appliances. Subsidence or landslip.	Online	Homeowners/renters
Virgin Home Insurance	With Virgin Home Insurance you can choose buildings insurance, contents insurance, or both. As well as covering the structure of your home and fixtures and fittings, our buildings insurance also covers the cost of things like architects, surveyors and builders if you have to rebuild your home due to an insured risk. It also covers your liability as a property owner up to a limit of £2,000,000. Contents covers things like sofas and satellite dishes, wardrobes and washing machines - all the things you would pack up and take with you if you moved house. MORE INFORMATION >>							Restrictions Restrictions Apply for more information. Cover may be restricted or unavailable in some cases Services Services Buildings and contents insurance Advantages Advantages Up to £1,500 for a single item or collection covered in contents insurance Insure freezer contents up to £500 10% more cover over Christmas, at no extra charge If someone in your house gets married, we will give you an extra 10% more cover 4 weeks before and after the big day for free. Disadvantages Disadvantages Cannot get cover if your home needs repair or is badly maintained If your home isn't self contained or have its own front door you can't get cover Cannot get cover if you've suffered loss, damage or liability three or more times in the last three years (whether you were insured or not).
HSBC Home Insurance	Home Insurance Provider	See website for exclusions	HSBC Home Insurance	Dependent on Cover	Standard £100	Type Cover Type Buildings and Contents Insurance Level Cover Level Standard Detail Cover Detail Building Insurance: 12 months for the price of 10. Unlimited buildings sum insured. If your buildings is made inhabitable, we will cover accommodation costs.** Accidental damage included as standard, on fixed glass, sanitary fittings, cables and underground pipes. Contents Insurance: 12 months for the price of 10. Replacement of contents as new up to £50,000*. Automatic accidental damage cover included for items such as TV, hi-fi and computer equipment (excluding portable computer equipment). Personal money covered in the home up to £500.	Online, telephone	Homeowners
HSBC Home Insurance	Whatever level of Home Insurance you require, HSBC has the policy for you with our generous cover. Apply online today for immediate cover and benefit from a number of discounts. For a limited period only receive 12 months cover for the price of 10! So why not get a quote today and get a year's worth of peace of mind? MORE INFORMATION >>							Restrictions Restrictions Apply for more information Services Services Additional cover for home emergency - dedicated emergency 24 hour, 365 days a year helpline Advantages Advantages Get 12 months for the price of 10 Unlimited buildings sum insured Replacement of contents as new up to £50,000 Monthly payments at no extra charge Disadvantages Disadvantages Excess on a standard claim is £100 (claims for subsidence carry a £1000 excess) If you make a claim on your home insurance policy you would lose your no claims discount, which will cause the premium to increase.
Tesco Home Insurance	Home Insurance Provider	See website for exclusions	Value, Standard and Finest cover.	Ask on application	Ask on application	Type Cover Type Building and Contents Level Cover Level Value, Standard and Finest cover. Detail Cover Detail 1. 24-hour Home Emergency cover. 2. Assistance for ID Fraud. 3. Buildings and Contents Accidental Damage. 4. Personal Possessions Cover	Online	Clubcard holders
Tesco Home Insurance	Choose from no frills policy, or a policy that offers the highest level of cover with Tesco home insurance, Value, Standard and Finest cover. Tesco home insurance insures buildings for up to £1m (unlimited with the Finest policy), damage caused by a burst pipe and freezer contents cover. 12 months for 8 offer available to new customers in year 1 – equivalent to 33.3%off our full price premium (which most customers won’t be charged until year 3). MORE INFORMATION >>							Restrictions Restrictions 1. Boilers over 10 years old or with an output over 60kw 2. Under floor heating, solar heating systems or warm air systems 3. Loss or damage after your home has been unoccupied for more than 60 days in a row 4. Any loss or damage which occurs during the fi rst 14 days following the start of your Home Emergency cover Services Services Finest cover includes many extras you would expect, such as: 1. Concierge 2. Home Emergency 3. ID Fraud Detection and Assistance Service Advantages Advantages 1. 24-hour emergency helpline 2. Phone their UK call centres for help 3. Home Repair network - all repairs are undertaken by approved builders and all costs are paid directly to them 4. A whole year's guarantee for work undertaken on your property by approved builders 5. Our Price Promise gives Clubcard customers a great discount 6. Use Clubcard vouchers to pay for your premium. 7. 1 to 5 Star defaqto-rated cover Disadvantages Disadvantages 1. Restrictions apply. 2. You will need to pay an excess to any claims made of at least £50
The Co-operative Home Insurance	Home Insurance Provider	Ask on application	The Co-operative Home Insurance	Varies	Varies	Type Cover Type Buildings and Contents Cover Level Cover Level Standard Detail Cover Detail Contents cover includes: 1. Belongings replaced on a new for old basis (except clothes and linen) 2. Optional Personal Possessions cover 36. Optional Accidental Damage cover Buildings cover includes: 1. Up to £500,000 rebuilding costs cover as standard 2. UK based claims line open 24/7 3. Optional Accidental Damage cover	Online	Contents and Building Home Insurance
The Co-operative Home Insurance	The co-operative claim to save you up to £136 with their home insurance with a discount of up to 16% if you apply online. They offer great cover options including buildings insurance, contents insurance and personal possessions insurance. You receive up to 40% No Claims Discount for buildings and contents, with an option to protect once full entitlement has been earned. MORE INFORMATION >>							Restrictions Restrictions See website for limitations and exclusions Services Services 1. FREE legal expenses insurance, up to £50,000 costs covered 2. FREE legal advice helpline 3. FREE HomeRescue emergency helpline Advantages Advantages 1. Up to £500,000 rebuilding costs cover as standard 2. Up to 40% No Claim Discount for buildings and contents, with option to protect once full entitlement has been earned 3. 1/3 off contents premium when you buy buildings and contents insurance together 4. Up to 16% online discount† 5. FREE legal expenses insurance, up to £50,000 costs covered 6. FREE legal advice helpline 7. FREE HomeRescue emergency helpline 8. HomeRescue Plus for just 12p for the first year 9. Pay monthly by Direct Debit or annually by debit/credit card 10. FREE pre-travel advice and emergency travel assistance helplines (with the travel option only). Disadvantages Disadvantages 1. Exclusions and limitations apply to all policies. 2. The level of discount you are entitled to will depend on risk features such as your age and the type of cover chosen.
ASDA Home Insurance	Home Insurance Provider	See website for exclusions	ASDA Home Insurance	From £148	Depednent on cover	Type Cover Type Contents only, Buildings only and Buildings and Contents combined. Level Cover Level Contents only, Buildings only and Buildings and Contents combined. Detail Cover Detail 1. A choice of three types of property insurance – Contents only, Buildings only and Buildings and Contents combined 2. Brand new replacement goods if your originals can't be repaired (excluding clothes and linen). 3. For insured items and events, damages will be repaired or replaced with the minimum of fuss. 4. Get cover for accidental damage to televisions, home computers, mirrors and glass with Asda Home Insurance (subject to terms and conditions - full policy details can be downloaded using the link below). 5. Your contents cover sum assured is automatically increased by 10% 30 days before and after your wedding or that of a family member. 6. To make things as easy as possible for you, you can pay for your property insurance by credit card, debit card, cheque or monthly Direct Debit. 7. To make sure all your special gifts are protected, we'll increase your home and property insurance sum assured by 10% from 1st December to the 15th January at no extra cost to you.	Online, Tel	Homeowners
ASDA Home Insurance	Asda Financial Services provide you with good home insurance cover at a competitive price. They offer accidental damage to TVs, VCRs, DVD players, CD payers and home computers. They also offer up to £500 bicycle cover as standard and up to £1,000 to replace stolen garden furniture or tools. MORE INFORMATION >>							Restrictions Restrictions See website for terms and conditions Services Services 1. Fire/theft and flood damage included 2. Prepare for some of life’s little disasters with accidental damage cover 3. Be covered for credit card liability up to £1,000 Advantages Advantages 1. Accidental damage to TVs, VCRs, DVD players, CD players and home computers 2. Accidental damage to mirrors and windows 3. Up to £1,000 to replace stolen garden furniture or tools 4. Up to £500 bicycle cover as standard 5. Costs for alternative accommodation Disadvantages Disadvantages 1. Monetary limits and exclusions apply 2. Accidental damage to TVs, VCRs, DVD players, CD players, home computers, mirrors and windows Plants, trees, valuables and money are not included 3. If you chose to pay monthly there is an APR of 28.6% for choosing this option.
Direct Line Landlord Insurance	Home Insurance Provider	Landlord Insurance	Direct Line Landlord Insurance	Dependent on cover	Varies	Type Cover Type Buildings cover as well as public and property owners liability Level Cover Level Standard Detail Cover Detail Standard Cover Buildings: cover against damage to your building including fixed glass and landlord's fittings, arising from perils such as fire, flood and theft. Accidental Damage to your buildings: this provides cover for damage caused: to underground drains, pipes and cables to fixed glass and sanitary ware to the structure as a result of an accident e.g. drilling through power cables or water pipes (please note: this policy does not cover theft or malicious damage by tenants and persons lawfully on the premises) Public liability: up to £2m of cover for compensation payable arising from injury to third parties or damage to their property caused by you in the course of your business and for which you are held legally liable. You can increase the limit of cover if required. Optional Covers Landlord's Contents: cover for fixtures and fittings, furniture, furnishings, utensils and domestic appliances belonging to you arising from perils such as fire, flood and theft. Also, if you take out Landlord's Contents Cover, you automatically get Accidental Damage to Contents as standard. This covers you for: accidental damage to furniture, furnishings, utensils and domestic appliances belonging to you as the Landlord breakages to mirrors and glass day-to-day accidents such as paint or wine spillages (please note: this policy does not cover theft or malicious damage by tenants and persons lawfully on the premises) Rent Receivable: cover against loss of rental income caused by damage to your property, plus reasonable additional expenses to mitigate the effects of the damage you suffered. Cover includes provision of alternative accommodation and up to £10,000 and book debt cover. Employers' liability: up to £10m of cover against compensation claims by your employees injured in the course of employment by you where you are held legally liable, as well as expenses and legal costs arising from such an injury. Personal Accident: benefits are payable in the event of the death or temporary or permanent disablement of specified employees arising from an accident. Equipment Breakdown: cover against direct physical damage to equipment resulting from breakdown, building collapse or events such as boiler explosions. Interested? Why not get a Landlord Insurance quote! Terrorism Insurance: if you would like to add cover against damage to property and loss of income as a result of an act of terrorism to your Residential Landlord Insurance please call us on 0845 301 4827.	Online, Tel	For landlords, buy-to-let owners or management companies
Direct Line Landlord Insurance	Direct Line Landlord Insurance is perfect for landlords, buy-to-let owners or management companies who own or manage residential properties are responsible for insuring the building or freehold and those who offer properties with tenancy agreements of six months or more. They offer a range of protection including buildings cover as well as public and property owners’ liability up to £2m. MORE INFORMATION >>							Restrictions Restrictions See website for details. Services Services As well as increasing many of the above limits you can extend cover to include: Landlords contents insurance, including those contained within communal areas Loss of rent following an insured event Employers' liability Advantages Advantages 1. A range of protection including buildings cover as well as public and property owners liability up to £2m 2. Equipment breakdown as standard (for example unforeseen breakdown of boilers) 3. Alternative accommodation costs following an insured event, for example a flood or fire (up to 20% of the rebuild value of your property) 4. Glass and locks replacement 5. Accidental damage to your property Disadvantages Disadvantages 1. Exclusions and limitations apply. See Policy Wording for details.