Prudential Home Insurance

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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 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with Gocompare.com (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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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.

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Is Prudential home insurance right for you?

Prudential offers home insurance in partnership with Churchill Insurance, providing customers with a range of policy options to suit their personal requirements.

 

Prudential/Churchill home insurance customers can choose from:

  • Buildings insurance
  • Contents insurance
  • Joint buildings and contents insurance

 

Which type of policy you need will usually depend on whether you are a homeowner, renter or landlord. Homeowners will usually want both buildings and contents insurance, most renters just need contents cover and landlords generally just need buildings cover.

 

Policy-holders can also choose from a number of optional extras to give you a tailored policy which covers everything you need.

 

Choosing a Prudential home insurance policy

Prudential/Churchill offer two levels of home insurance: Home Insurance and Home Plus.

 

Please note: Both policies offer cover for contents in the garden, including plants and landscaping and loss or theft of house keys.

 

Churchill Home Insurance (via Prudential)

This covers all of the essentials at an affordable price. Customers can choose buildings and contents insurance individually or as a joint policy with Churchill Home Insurance.

 

Buildings cover

Policy holders can claim:

  • Cover up to £1million
  • Alternative accommodation costs up to £25,000
  • £5,000 to trace and access leaks
  • £2million property owner’s liability
  • Accidental damage cover (optional)

 

Contents cover

Policy holders can benefit from:

  • Cover up to £50,000
  • Claims of up to £2,000 per item
  • £15,000 for alternate accommodation costs
  • £5,000 for the cost of temporarily moving contents from your home
  • £2million personal liability cover
  • £5million employers liability
  • Accidental damage cover (optional)

 

Churchill Home Plus (via Prudential)

This offers more comprehensive cover for an additional cost. Customers can choose buildings and contents insurance individually or as a joint policy with Churchill Home Plus.

 

Buildings cover

Policy holders can claim:

  • Unlimited cover
  • Alternative accommodation costs up to £50,000
  • £10,000 to trace and access leaks
  • £5million property owner’s liability
  • Accidental damage cover as standard
  • Matching sets and suits cover (replaces a whole set if one piece is damaged)

 

Contents cover

Policy holders can benefit from:

  • Cover up to £100,000
  • Claims of up to £4,000 per item
  • £30,000 for alternate accommodation costs
  • £10,000 for the cost of temporarily moving contents from your home
  • £5million personal liability cover
  • £10million employers liability
  • Accidental damage cover as standard
  • Matching sets and suits cover (replaces a whole set if one item is damaged)

 

Personal Possessions Cover

The following can be purchases as optional extra add-ons to Home Insurance policies and are included as standard with Home Plus policies.

 

Cover for items outside the home

Home Insurance customers can choose to cover items outside the home up to £2,500 for an additional fee.

 

Home Plus customers get £5,000 cover for items outside the home as standard.

 

Money

Home Insurance customers can cash up to £500 for an additional fee.

 

Home Plus customers get £1,000 cover for cash as standard.

 

Bicycles

Home Insurance customers can choose up to £500 cover per bicycle for an additional fee.

 

Home Plus customers get £1,000 cover per bicycle as standard.

 

Legal expenses cover

Home Insurance customers can get up to £100,000 legal expenses cover for an additional fee.

 

Home Plus customers get £100,000 legal expenses cover as standard.

 

Home emergency cover

Home Insurance customers can choose to cover themselves in the event of home emergencies up to £500 per callout for an additional fee.

 

Home Plus customers get this cover as standard with their policy.