Menu We sell a policy every two minutes ^ Updates: Coronavirus help and support and changes to our travel and business products. Home insurance FAQs Frequently asked home insurance questions Your policy How do I find out the excess on my home insurance policy? If I don't let you know about changes could this affect my cover? Your cover What's included in my home insurance policy? Am I covered for blocked or broken drains and pipes? Am I covered for home emergencies such as water leaks and loose roof tiles? What problems can Home Emergency help me with? Am I covered for storm damage and garden fences? Does my home insurance cover me for transportable items such as mobile phones and laptops? Am I covered if I work from home? Is my bike covered? Is my mobility scooter or electric wheelchair covered? Does my policy include personal injury? I don't have a garden. Why am I being charged for plants, shrubs and garden items? Can I add Legal Cover to my home policy? Buildings cover What is the difference between buildings insurance and home insurance? Is buildings insurance compulsory? Will buildings insurance cover leaks? How do I work out my home rebuild cost? What do I need to get a buildings insurance quote? Contents cover Am I covered for accidental damage? Does contents insurance cover mobile phones? Do I need contents insurance if I’m renting? How do I work out the value of the contents of my home? Does contents insurance cover theft? What do I need to get a contents insurance quote? Accidental damage cover What cover do I need if I rent? Are there any exclusions with accidental damage? Will I get brand new items? Home emergency cover What counts as an emergency? What problems can Home Emergency help me with? How fast is the response time? Will home emergency cover all repairs? Does it affect no claims? Does home emergency count as a claim? Bicycle cover How do I work out the value of my bike? What counts as in the home or outside it? Are bicycle accessories such as lights and helmets covered? Is my bicycle insured if someone else rides it? Manage your policy How can I view or change my home insurance account details? Where can I find my home insurance payment schedule? Where can I find out my policy number? Do I need to add my conservatory to my policy? How do I specify valuable items such as jewellery and electrical equipment on my home insurance? How do I cancel my home insurance policy? How long does postal paperwork take? I am worried about being able to pay for my insurance, what can I do? Renewals How can I see what cover I had last year? I've received my renewal invite, why are you showing me what I paid last year? I pay by monthly Direct Debit, but you've shown last year's price as a single payment Why has my renewal price increased from last year? What does it mean if my home insurance policy is set to automatically renew? How does auto-renewal work? What if I’m not happy with my level of cover or the renewal price? Are all policies set up to automatically renew? What’s changed with auto-renewals? Should I set my policy to auto-renew? How do I stop my policy from automatically renewing? What happens if I choose to opt out? Do I have to pay a fee to opt out? How can I tell if my policy will auto-renew or not? If I stop my policy from automatically renewing, can I opt back in again? Payments How do I change or set up a Direct Debit? I pay by monthly Direct Debit, but you've shown last year's price as a single payment Where can I find my home insurance payment schedule? When is the credit or debit card payment taken? I am worried about being able to pay for my insurance, what can I do? Claims How do I make and track a home insurance claim? I'd like to make a contents insurance claim, what do I need to do? I'd like to make a buildings related claim, what do I need to do? I've lost a personal possession away from home, what do I need to make a claim? What information do I need to provide for an accidental damage claim? What should I do if my home is flooded? Will you send out a contractor to quote for any repairs needed to my home? General What is Flood Re? How long will I have to wait to receive my cashback? What's the difference between RSA and MORE THAN? Ready to get a quote for home insurance? Start a quote Retrieve my quote Useful guides Guide to household bills 12 MINS READ Escape of water 10 MINS READ Home insurance jargon explained 10 MINS READ Preparing your home for winter 10 MINS READ Read our home guides Back to top Home insurance FAQs About us Who we are Privacy policy Cookie policy Security Legal Careers Press newsroom Make a complaint Latest news Help and support Contact us FAQs Make a claim Coronavirus FAQs Manage your policy Brexit FAQs Useful guides Find us Twitter Facebook YouTube You can manage the cookies we set on your computer/device in Manage cookies MORE THAN is a trading name of Royal & Sun Alliance Insurance Ltd, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register No. 202323). ^ MORE THAN data: 1 January to 4 July 2021. 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