A woman and a young girl reading a book together sitting in the same armchair

Combined buildings and contents insurance

Your home is probably the most valuable thing you own, make sure it and the possessions that matter to you are covered.

  • Unlimited1 sum insured for your possessions and any rebuild and repair costs
  • We’ll replace matching items if one of a set is damaged, like your sofa or bathroom tiles
  • Buy cover enhancements for extra protection if you need it

The impact of coronavirus on home insurance

During these unprecedented times, we’re continuing to offer home insurance to help support and protect people in a time of need. If you have a policy with us, or if you’re not sure what our home insurance covers, take a look at our FAQs.

What buildings and contents insurance does for you

Make life easier by getting combined buildings and contents insurance.

What’s covered

Unlimited1 rebuild and repair costs for emergencies like burst pipes, floods and storm damage and your possessions in your home

Matching items – unlimited up to sum insured for contents and up to £10,000 for buildings, for fixtures like bathroom tiles and suites

Alternative accommodation up to £100,000 if you’re unable to live in your home after flood, fire or other emergency

Valuable items up to £20,000, with a further £20,000 for individual items worth over £2,500 each

Adjustable excess to suit you

Available for extra fees

Buildings and contents accidental damage

Protected no-claim discount

What's not covered

Accidental damage isn’t standard but you can choose to include it with your cover, or through gadget, bike, personal items and sports equipment cover

Damage caused by wet or dry rot

Gates, fences or hedges blown down in a storm

Your possessions away from home – choose personal items, gadget, bike and sports equipment cover for insurance when you’re out and about

Damage caused by wear and tear, or any damage that happens gradually

It’s important you understand exactly what is and isn’t covered by buildings and contents insurance. The examples we’ve shown above are only intended as a guide – full details are in the policy document [PDF, 642KB].

Why choose us for your buildings and contents insurance?

Rated by our customers

Last updated on 18 January 2021. Based on 1,383 reviews comprising 920 renewals, 287 new customers and 176 claims.

See all reviews [PDF, 2.4MB]

Only pay for what you need

You choose what cover to include so you only pay for what you need – and nothing that you don’t. And if your needs change, you can make changes to your cover without any admin fees.

Defaqto, expert rated Home Insurance, for 2018.

Pay monthly for no extra cost

Spread your payments over 12 months without paying a penny extra.

Consumer intelligence, customer service and consumer trust award, for 2018. Voted by householders.

You’re in safe hands

Our UK-based claims team is available all day, every day. In 2019, we paid 97% of claims submitted2

Your guide to combined home insurance

A general guide to insuring your home and what’s in it

Already insured with us?

Already got a quote?


View or amend your quote or buy your policy.

Manage your policy online

It’s quick and easy to do both of these online. If you’d prefer to speak to someone about a claim, our UK-based claims team is available all day, every day.

More reasons to insure with us

  • Get more in your wallet with Barclays Blue Rewards3
  • Switch to us and we’ll refund your cancellation fees4

Got a question?

Contact us

0800 015 0246 5

Monday to Friday, 8am to 10pm
Saturday, 8am to 6pm
Sunday and bank holidays, 10am to 4pm