M&S Home Insurance

M&S Bank Home Insurance Deal
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
£500,000£50,000

Save 20% when you buy M&S Home Insurance online (excludes renewals, subject to minimum premiums).

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**M&S Loyalty Scheme subject to terms and conditions. We reserve the right to withdraw the offer without notice. Your points will be converted to vouchers for your next or subsequent loyalty mailing. Applies to new policies only. Offer detailed cannot be used in conjunction with any other points offer and only one claim can be made per account. Offer not available to customers renewing or amending an existing policy. Offer is not open to customers buying from price comparison websites. Loyalty points are only available when the main cardholder is the policyholder.
Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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£1,000,000£150,000

Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Unlimited£100,000

Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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UnlimitedUnlimited*

Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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VariesVaries

Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Compare - Home and Contents Insurance Quotes
Provided via:Total Number of InsurersContents InsuranceBuilding InsuranceLandlord & Tenant InsuranceGet Quotes
40+YesYesYesGet Quotes >

Home Insurance is a non-compulsory form of property insurance which is designed to protect against damage to your property or to the belongings within your home.

Various policies exist which range from a basic cover of the structure of the property to also covering your content and liability coverage against accidents. Contents insurance will protect your possessions against theft or damage. Most families underestimate the sum total of their belongings with an average household containing possessions totaling approximately £25,000 or more. There are many providers of home insurance so make sure you look around for the one most suited to your needs.


M&S Home Insurance Review

  • Save 20% when you buy online – which includes renewals and optional extras
  • Defaqto 2016 5 star award 

There are two cover options, standard or premier. All of the below are included in the standard and premier policies: 

  •  Cover for your home and garden 
  •  New for old cover on all replaced contents
  •  Pedal Cycle Cover at home
  •  Theft of damage of plants and cover for garden furniture and equipment as part of the contents insurance 
  •  Replacement locks and keys
  •  Alternative accommodation - as part of your cover, you’ll be given somewhere to stay if your home is uninhabitable after serious damage
  •  Pay using monthly instalments at no extra cost 
  •  Ability to change your excess 
  •  Flexible claims, including cash or cash equivalent 

You can also add legal expenses cover to either of the below policies:


Standard Home Insurance

Includes all of the above and:

  •  Buildings Cover – Up to £1,000,000 
  •  Contents Cover – Up to £100,000
  •  Optional – Accidental damage. 

Premier Home Insurance

Includes all of the above and: 

  •  Buildings Cover – Unlimited 
  •  Contents Cover – Unlimited (inner limits apply) 
  •  Accidental damage – from paint spills on the carpet to knocking a nail through a pipe 
  •  Storm damage to gates and fences 
  •  Accidental damage to freezer contents. For example, in the case of a power cut.
  •  Protection of visitors' belongings 
  •  Students' possessions are protected for when your children are at university or college 
  •  A dependent relative's possessions are protected when they're in a residential care home. 

Why do I need Home Insurance?

No one expects their home or contents to come to any damage and so very few people are financially prepared for an emergency or theft. Repairing your home or rebuying lost contents can be expensive so it can be a relief to know you’re covered given any eventuality. It’s important to work out whether you need both buildings and contents insurance as it is possible to take out a policy focusing on only one of these rather than a joint policy. 


It’s also worth noting that some properties, such as listed buildings or buildings with thatched rooves, may require specialist cover and therefore, would not be covered by a standard policy. Make sure you always read the fine print of policies well as more and more companies are now excluding certain things which you may need.