Home Insurance - Cover Options

Cover Options

As a homeowner or soon-to-be homeowner it's important you're covered against the worst happening. With our Home Insurance you can cover just the building, just your contents or combine them both.

Defaqto 5 Star Home Insurance

Buildings

It's much more than just bricks and mortar; it's the place you call home

Standard Buildings Cover

  • £500,000 Buildings Cover
  • Permanent fixtures in your home such as the shower, bath and built-in wardrobes and kitchens are covered
  • Up to £100,000 alternative accommodation expenses for you and any loved ones including any pets
  • New for old replacement as standard
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • Choose the optional extras that are right for you - meaning you only pay for the additional cover you actually need

Plus Buildings Cover

For an additional premium our Plus Buildings Cover gives you the same benefits of our standard cover but with:

  • £1 million Buildings Cover
  • Up to £200,000 alternative accommodation expenses for you and any loved ones including any pets

Contents

They're not just belongings that make the place look nice; they're what make your house your home.

Standard Contents Cover

  • £50,000 Contents Cover
  • Up to £15,000 for specified items & valuables
  • New for old replacement as standard
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • Choose the optional extras that are right for you - meaning you only pay for the additional cover you actually need

Plus Contents Cover

For an additional premium our Plus Contents Cover gives you the same benefits of our standard cover but with:

  • £75,000 Contents Cover
  • Up to £22,500 for specified items and valuables

We want to let you know...

As with all home insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any loss or damage caused by wet or dry rot and any loss or damage of any kind cause by or resulting from wear and tear.

These are only examples. For full details of what's covered and what's not covered please read our Home Insurance policy booklet. Alternatively you can find further information in our Home Insurance policy summary.

The cover limits mentioned on this page are in reference to our new Home Insurance product that was launched on 19 December 2016.

Defaqto is an independent researcher of financial products, focused on providing intelligence to support better decision-making. Our Home Insurance has a 5 Star Rating meaning it has a comprehensive level of features and benefits.

Our Home Insurance is underwritten by a carefully selected group of the UK's leading insurers.

Boost your cover with some optional extras

Accidental Damage

More

Personal Possessions

More

Home Emergency Cover

More

Need Help?

  • Call our customer services team on 0345 601 1050
  • Monday - Friday
    8am - 7pm
    Saturday
    8am - 1pm

What our customers say

"I think you're an outstanding insurance company, and you help me with everything that I've wanted"

Ryan, Norwich

"I've been with Paymentshield for over ten years and I've never had any problems."

Kirsty, Plymouth

"Very helpful, very approachable and friendly staff, and we've been perfectly happy with the cover that we've had over the years."

Julie, Eastry

"Always friendly and helpful."

Laura, Stowmarket