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Buildings and contents insurance
Get a head start. We’ll only ask you a handful of questions, so you’ll have your quote in no time. You can only get Home Insurance Select directly with us.
Halifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.
What’s included in our cover?
Home Insurance Select offers you three levels of cover to choose from. With each option you can choose to cover your things when they're away from home, and cover any high value items you may have. You can also add Home Emergency cover to your policy.
Choosing the right level of cover
The level of cover you need will be individual to you. It will depend on things like how much your belongings are worth, and if you want cover for accidental damage. You'll need to make sure you have enough cover for all of your contents. Compare what's included with our Bronze, Silver and Gold cover to help choose which one is best for you.
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF, 508kB).
|
|
Bronze |
Silver |
Gold |
|---|---|---|---|
|
|
BronzeFull rebuild cost |
SilverFull rebuild cost |
GoldFull rebuild cost |
|
|
Bronze£50,000 |
Silver£100,000 |
Gold£250,000 |
|
|
BronzeNot available |
SilverIncluded, up to full rebuild cost |
GoldIncluded, up to full rebuild cost |
|
|
BronzeNot available |
SilverIncluded, up to £100,000 |
GoldIncluded, up to £250,000 |
|
|
BronzeNot available |
SilverIncluded, up to £50,000 |
GoldIncluded, up to £50,000 |
|
|
BronzeOptional extra, from £1,000 to £25,000 |
SilverOptional extra, from £1,000 to £25,000 |
GoldOptional extra, from £1,000 to £25,000 |
|
|
BronzeOptional extra, up to £1,000 |
SilverOptional extra, up to £1,000 |
GoldOptional extra, up to £1,000 |
How much excess would I need to pay?
Your excess is the amount you’ll pay towards most types of claim. You can choose your own excess between £100 and £500. A higher excess means your cover will cost less, but you’ll have to pay more towards a claim.
With Bronze and Silver cover, there's a different excess for subsidence and leaking water claims.
|
|
Bronze |
Silver |
Gold |
|---|---|---|---|
|
Your standard excess |
BronzeChoose between £100 and £500 |
SilverChoose between £100 and £500 |
GoldChoose between £100 and £500 |
|
Leaking water excess |
Bronze£500 |
Silver£500 |
GoldYour standard excess |
|
Subsidence excess (buildings only) |
Bronze£1,000 |
Silver£1,000 |
GoldYour standard excess |
What’s covered if I need to claim?
Buildings - Covers you if something happens to your home. For example, if there's a fire, storm or flood. Whichever level of cover you choose, we'll cover up to the full rebuild cost of your home and its outbuildings. There's also up to £100,000 cover for the extra cost of staying somewhere else if you need to because of a claim.
Contents - Covers the things inside your home against theft, and damage by events like fire, storm or flood. You're insured up to the contents limit amount for the level of cover you choose. This includes any high value items that you name on your policy, things in your outbuildings up to £5,000, and up to £500 for damage to frozen food. There's also up to £25,000 cover for the extra cost of staying somewhere else if you need to because of a claim.
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF 508KB).
More about the options you can choose
What happens if I need to make a claim?
We hope you never need to, but if you do need to claim we’ve made it as simple as we can. You can make a claim online any time, day or night. You can also make a claim over the phone.
Ready, set, quote.
Buildings and contents insurance: FAQs
How much is buildings and contents cover?
The cost of your cover will depend on lots of factors. These include:
- the amount of cover you need
- the value of your home and the things in it
- the number and value of any high value items listed in your policy
- the amount of excess you agree to pay
- whether you have made a claim before or not
- the postcode for the property.
What is the difference between buildings and contents insurance?
Buildings insurance covers the structure of your home and its fixtures and fittings. This includes fitted kitchens and bathrooms, as well as walls, doors, windows and roofs.
Contents insurance covers the things that make a house a home. This means things like furniture, carpets, clothes, electronics, and personal items.
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF 508KB).