Churchill Home Insurance

Is Churchill home insurance right for you?

Few people are financially prepared for an emergency situation at home. Repairing your home or rebuying lost or stolen contents can be expensive, so it can be a relief to know you’re covered given any eventuality.

 

Home insurance comes in many forms but it basically falls in to three categories:

• Buildings cover
• Content cover
• Joint buildings and contents cover

Many providers will give you the option to tailor a cover package to suit you.

 

Churchill Home Insurance Review

Churchill offer two levels of insurance – Home Insurance and Home Insurance Plus. Within these two policies they offer: buildings, contents and personal possessions so you can choose what cover you really need.

 

General features of Churchill home insurance

• If you make a claim under both buildings and contents then you’ll only pay one policy excess
• New for Old cover which includes clothing, meaning that your items will be replaced brand new
• 24 hour legal advice line
• No admin fees if you need to change your policy details
• 12 month guarantee on all building works by approved repairers

 

Features of Churchill Home Insurance

Buildings

• Buildings are insured up to £1,000,000
• Accidental damage cover can be added to this policy but isn’t included as standard
• You can receive alternative accommodation in the event of repairs up until £25,000
• They will trace and access leaks in your house up until £5,000
• Property owner’s liability up to £2,000,000

 

Contents

• Items in the home are insured up to £2,000 per item
• Total contents cover up to £50,000
• Contents temporarily taken out of the home will be insured up to £5,000
• Alternative accommodation in the event of repairs up until £15,000
• Employer’s liability £5,000,000

 

Personal Possessions

• Cover for items outside the home £2,500
• Money is insured up to £500
• Bicycles are insure up to £500 per bicycle

 

Features of Churchill Home Insurance Plus

Buildings

• Unlimited buildings insurance
• Accidental damage cover in included
• Alternative accommodation in the event of repairs up to £50,000
• Tracing and accessing leaks within your home up to £10,000
• Property owner’s liability up to £5,000,000
• Matching sets and suites cover is included

 

Contents

• Contents are insured up to £1000, 000
• Items inside the home are insured up to £4000 per item
• Accidental cover is included
• Alternative accommodation in the event of repairs is covered up to £30,000
• Contents temporarily taken out of the home are insures up to £10,000
• Personal liability is £5,000,000
• Employer’s liability up to £10,000,000
• Matching sets and suites cover is included

 

Personal Possessions

• Cover for items outside the home up to £5,000
• Money is insured up to £1,000
• Bicycles are insure sup to £1000 per cycle
• Legal expenses cover is included
• Home emergency cover is included

 

Optional extra cover

Home Emergency Cover

• This covers you for emergencies such as: heating, plumbing and drainage, electrical wiring, security, and pests
• You’re covered up to £500 per call out and the insurances covers new parts, labour, emergency repairs and call-out charges

 

Accidental Damage Cover

• You can opt for cover against accidental damage to buildings, contents or both
• While this doesn’t provide coverage for general wear and tear, most accidents around the home are covered

 

Family Legal Protection

• You can receive up to £100,000 to aid with legal costs in the event of any disputes

 

Personal Possessions Cover

• This will cover your items outside the home, including: mobile phones, laptops and jewellery