Buildings insurance

You won't find Home Insurance Select on price comparison sites. Get a quote directly with us, online or over the phone.

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. 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 if you want Accidental Damage or Legal Expenses cover. 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 our policy documents (PDF, 508kB)

	Bronze	Silver	Gold
Buildings limit up to	Bronze Full rebuild cost	Silver Full rebuild cost	Gold Full rebuild cost
Accidental Damage	Bronze Not available	Silver Included, up to full rebuild cost	Gold Included, up to full rebuild cost
Legal Expenses	Bronze Not available	Silver Included, up to £50,000	Gold Included, up to £50,000
Home Emergency	Bronze Optional extra, up to £1,000	Silver Optional extra, up to £1,000	Gold Optional extra, up to £1,000

How much excess would I need to pay?

Your excess is the amount you'll pay towards the cost of 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	Bronze Choose between £100 and £500	Silver Choose between £100 and £500	Gold Choose between £100 and £500
Leaking Water excess	Bronze £500	Silver £500	Gold Your standard excess
Subsidence excess	Bronze £1,000	Silver £1,000	Gold Your standard excess

What's covered if I need to claim?

Buildings insurance 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 up to £100,000 cover for the extra cost of staying somewhere else if you need to because of a claim. We also cover the cost of changing your locks if your keys are lost or stolen.

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).

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.

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Buildings insurance: FAQs

Does buildings insurance cover leaks?

Yes, buildings insurance can protect you against the cost of damage caused to your property from leaking oil or water.

This only covers damage to your home itself and its fixtures and fittings. If there is damage to the things in your home, for example a carpet is ruined, you'll need contents insurance to claim for it.

Does buildings insurance cover damp?

No, buildings insurance doesn't cover damage that happen slowly over time such as damp. Damp normally occurs as a result of excess moisture in your home. It is up to you to fix this issue as it could cause further structural damage.

Do I need buildings insurance as a tenant?

No, if you are a tenant, your landlord is responsible for arranging buildings insurance for your home. You'll need contents insurance to protect the things you own inside your home.

Does buildings insurance cover my boiler if it breaks down?

No, buildings insurance doesn't cover damage caused by wear and tear. So if your boiler breaks down, you won't be covered. Home Emergency cover can protect you against paying out for emergency repairs to your boiler.

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).