Top toolbar Retrieve quote Claim Help Log In Main navigation Car insurance Home insurance Other products Off Home insurance Buy both Buildings and Contents cover today and get 5 Star Defaqto rated cover, plus: FREE Home Emergency Cover FREE Family Legal Protection for the first year Offer ends: 30/11/21 Get a quote Off What does esure Home Insurance cover me for? Off Buildings Insurance How we can protect you and your home Alternative accommodation Up to £75,000 Unlimited buildings cover Even if you need a rebuild your whole house Cover for locks and keys Up to £1,000 Property owner's liability cover Up to a £2 million as standard Restrictions may apply, please refer to our policy booklet. You can also: Add Accidental Damage cover for an additional fee, covering the cost of repair or replacement as direct result of an accident Find out more about Building Insurance. You can find our Home Insurance policy limits here. Contents Insurance How we can protect your contents in your home New for old contents We'll replace all covered items as new Garden contents Up to £2,000, tools, plants or machinery Personal money Up to £750 to cover loss or theft of cash Students cover Up to £5,000 in university halls or boarding schools* Special Events cover Up to an extra 15% of the contents sum insured** Home office equipment Up to £10,000 These limits are included in and not additional to your sum insured. Restrictions may apply, please refer to our policy booklet. You can also: Add Accidental Damage cover for an additional fee, covering the cost of repair or replacement as direct result of an accident Find out more about Contents Insurance. You can find our Home Insurance policy limits here. Need help with calculating your home's content value? Our Home Insurance checklist can help you. *When not left vacant for more than 15 days. **We'll automatically raise your contents cover for up to four weeks before and after a special event, such as a religious festival (up to 15% cover) and weddings/births (up to 10% extra cover). Add on at no extra cost On Family Legal Protection – FREE for the first 12 months, when you buy combined Buildings and Contents Insurance - offer ends: 30/11/21 Access to expert lawyers with up to £50,000 legal costs covered for you and your family No Claim Discount (NCD) not affected View policy booklet for more information Home Emergency Cover – FREE for the first 12 months, when you buy combined Buildings and Contents Insurance - offer ends: 30/11/21 One call to us and, if required, we’ll arrange for a contractor to visit your home and carry out the emergency repairs. Call-out charge, labour cost, parts and materials to a limit of £500 (including VAT) subject to a £25 excess View policy booklet for more information Off Get a quote Boost your cover Off Personal Possessions cover With Personal Possessions cover, your belongings will be covered while they are away from your home. MORE INFO Off Pest Cover If you call out a professional to deal with a pest infestation, we'll cover the cost of the call out and extermination, up to a total cost of £150 (including VAT). MORE INFO Off Get a quote What is home insurance? Off Home insurance provides cover for the structure of your home, its contents, or a combination of both. So, in the event of fire, theft or extreme weather conditions (e.g. causing flooding or subsidence), buildings insurance would cover damage to the structure of your home, while contents insurance would cover damage to things in your home or garden. What’s the difference between buildings and contents insurance? On Buildings Insurance Covers the actual structure of your home – including things like walls and windows, but can also extend to permanent fixtures like bathroom suites. Please note; if you’re buying a home, you are likely to need buildings insurance in place when you get a mortgage (this is a condition for most mortgages). Contents Insurance Provides cover for any items in your home that aren’t part of the structure or fitted into your home – including things like furniture, TVs, home office equipment or items in the garden. Please note; contents insurance isn’t required for a mortgage, but if you want cover for your belongings, you may want to consider having house insurance with both buildings and contents insurance. Off Get a quote How do you get a Home Insurance quote? The 5 things we’ll need to know Off If you’d like to get a quote for esure Home Insurance, be it buildings insurance, contents insurance, or both, we'll need some information from you. Once we’ve got this, we’ll use it to work out any risk associated with insuring you, make a few assumptions about the property (e.g. that it’s your main residence, it’s made of brick, stone or concrete, and it’s in a good state of repair), then prepare a quote for you. If the assumptions and information are correct, you can pay for your policy right away and get immediate access to your account. Here are the details we’ll need: On 1. Some personal information To get started we’ll need your name, date of birth, phone number and occupation. 2. Your Postcode This is so we can find the address of the property you’d like to insure. 3. Answers to a few questions about the history of your home and you as a homeowner Things like, whether you’re a first-time buyer, whether your property’s ever been damaged by flood or subsidence, and whether any claims for loss or damage have been made by anyone living permanently at your address in the past three years. 4. Answers to a few questions about your property Things like, what kind of property is it (e.g. a flat, terraced house), what year was it built, how many bedrooms does it have, and is it owned outright, mortgaged or rented? 5. Details about your cover This will include whether you’d like any Optional Extras, what level of voluntary excess you want, the contents sum insured, and any specified items you’d like to add to your policy. Off Get a quote Frequently Asked Questions Off HOW MUCH DOES HOME INSURANCE COST? WHAT’S ACCIDENTAL DAMAGE? IS MY MOBILE PHONE COVERED BY ESURE HOME INSURANCE? IS MY BICYCLE COVERED BY ESURE HOME INSURANCE? WHAT ARE HIGH RISK ITEMS AND WHICH ONES DO I NEED TO SPECIFY? AM I STILL COVERED IF I LEAVE MY HOME UNOCCUPIED OVER A HOLIDAY? DOES ESURE HOME INSURANCE COVER MY CHILD’S BELONGINGS WHILE THEY’RE AT UNIVERSITY? IF I TAKE THINGS OUTSIDE MY HOME, DOES ESURE CONTENTS INSURANCE STILL APPLY? ARE LEAKS COVERED BY ESURE HOME INSURANCE? DOES ESURE HOME INSURANCE COVER MY BOILER? CAN I CLAIM FOR FALLEN TREES? DOES ESURE HOME INSURANCE COVER RISING DAMP? DO I NEED HOME INSURANCE IF I’M RENTING? Off Get a quote On Make a claim Find out how to make a claim on your home insurance. We're here to support you when you need us the most Make a claim Policy information If you want to find out more about our policy details please click on the link below Policy booklet Home Insurance Hub Learn more about our Home Insurance, our level of cover or available add-ons and how they can suit you. Home Hub 50px Off Customer Support Hub – for our latest guidance and support, including information on our Covid-19 initiatives, please visit our dedicated Hub Off Latest from The Hub On Understanding your home cover and when it applies We know insurance can be complicated - even when you have it in place, there could be times when your cover might not apply. But we’re here to help make sure you know when those times are and what you can do to avoid any unwelcome surprises, should you ever need to make a claim. How to feel at home with insurance terms At esure, we think homes should be about comfort; and home insurance shouldn’t be any different. Feeling comfortable with your insurance policy is vital to choosing the right level of cover, and understanding the terms you’re likely to come across is a key part of this. Knowing your rights as a tenant Renting is an extremely popular option in the UK, which means that a lot of us are tenants. But how many of us actually know our rights when renting? According to Totally Money, at the start of 2019, a staggering 97% of UK tenants didn’t know their full rights as renters. About esure About esure The Hub News centre Careers esure group Help and Support Log In To My Account Make a claim Policy information FAQs Proof of No Claim Discount The Hub In the event of a car accident, think S.A.F.E. Understanding your home cover and when it applies Recent News No recent news! Contact Us Legal Cookies Accessibility Sitemap Contact us Modern Slavery Statement Privacy facebooktwitterlinkedinyoutube Accept All & Close We use essential cookies to ensure this site runs correctly. We also use a range of other non-essential cookies. By continuing to use this site you agree to our use of cookies. For more information, see our Cookie Notice. To change your preferences, visit our Cookie Consent Tool.