Home Insurance Products

Every home is different, and every household has its own priorities. Our home insurance products give you the flexibility to build a plan that genuinely protects your property, your belongings, and the people who matter most.

Buildings Insurance

Buildings Insurance protects the physical structure of your home — walls, roof, floors, windows, doors, and permanent fixtures — against unexpected damage. It's the foundation of any solid home insurance plan.

Whether caused by fire, storm, flooding, subsidence, or accidental damage, this coverage ensures repair and rebuilding costs don't fall entirely on your shoulders.

• • Structural damage from fire, flood, and storms
• • Coverage for outbuildings, garages, and garden walls
• • Subsidence and escape of water protection

Contents Insurance

Contents Insurance covers the personal belongings inside your home — furniture, appliances, electronics, clothing, and valuables — against theft, loss, or damage. It protects what makes your house feel like a home.

Ideal for homeowners and renters alike, this coverage can extend to belongings temporarily removed from the property, providing protection both inside and outside the home.

• • Theft and burglary protection
• • Accidental damage to household items
• • Optional cover for belongings away from home

Home Liability Coverage

Home Liability Coverage protects you financially if someone is injured on your property or if you or a household member accidentally damage someone else's property. Liability situations can arise without warning — this coverage ensures you're prepared.

From a visitor's slip on a wet path to accidental damage to a neighbour's fence, this coverage handles legal costs and compensation so you don't have to face them alone.

• • Injury claims from visitors on your property
• • Accidental damage to neighbouring properties
• • Legal defence and settlement support

Alternative Accommodation

If your home becomes uninhabitable due to an insured event — such as fire damage or severe flooding — this coverage ensures you and your household have a safe, comfortable place to stay while repairs are carried out.

Being displaced from your home is stressful enough. Alternative Accommodation coverage removes the financial worry of temporary housing so you can focus on getting back home.

• • Temporary housing costs during major repairs
• • Covers the whole household including pets (subject to terms)
• • Coordinated with your claims team for a smooth transition

Home Emergency Cover

Home Emergency Cover provides rapid assistance when urgent household problems arise — a burst pipe, a broken boiler, a failed electrical system, or a damaged roof. Help is available around the clock, every day of the year.

This coverage connects you with qualified tradespeople quickly, minimising disruption and preventing small emergencies from turning into major damage.

• • 24/7 emergency callout for plumbing and heating
• • Electrical failure and security emergency response
• • Temporary repairs to make your home safe and secure