Frequently Asked Questions About Home and Contents

Our buildings and contents cover has a compulsory excess of £50. You can voluntarily increase the excess up to £500 in increments of £50. Subsidence cover is set at a standard £1,000 excess.

Our legal nuisance and trespass cover provided by DAS as part of our Family Legal Protection cover has a set standard excess of £250.

Accidental damage is sudden, unexpected, unintentional physical harm that destroys something reduces value, usefulness or normal function. An example would be spilling red wine on your carpet, or accidentally reversing into your garage door.

Accidental damage is an optional extra on our Standard home cover product, and is included on our Standard Plus cover.

Buildings cover is there to protect your home including its fixtures and fittings in the event of a claim.

Contents cover is there to protect your personal belongings and valuables in the event of a claim.

For your convenience we offer combined or separate buildings and contents cover to suit your needs.

If you’d like a quote for landlord cover, please visit our page here or call us on 0800 088 2283

Items under £3,000 are covered as standard under our Standard home contents product and £5,000 for Standard Plus.