Co-operative Home Insurance

Co-operative Home Insurance

Compare Home Insurance Deals

Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Confused.com guarantee to beat your home insurance renewal, or get the difference, plus £20*
Alternative Accommodation

Confused.com guarantee to beat your home insurance renewal, or get the difference plus £20*

*T&Cs apply

Buildings Insurance
No Limit
Contents Insurance
No Limit
Special Features
5 Star home insurance from just £99* Get up to 20% off online**
Alternative Accommodation
Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
Special Features
5 Star home insurance from just £99. 25% online discount for new customers *
Alternative Accommodation
Home Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Save up to 20% online
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus, Unlimited Select Premier)
Special Features
Get 35% off when you buy online*
Alternative Accomodation

Direct Line Home Insurance

*Introductory offer is for combined buildings and contents cover, which excludes optional covers.  Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited

Buildings Insurance
£1million to help rebuild your home (Unlimited Home Plus)
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus)
Special Features
Get Churchill Home insurance from £100*. Making a claim under both Buildings & Contents? You’ll only pay one policy excess. No admin fees for changing your policy details. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
Alternative Accomodation

Churchill Home Insurance

*30% of customers paid this price or less for combined buildings and contents policies between 20th January & 20th July 2018. Excludes optional extras and Home Plus policies
Underwritten by U K Insurance Limited

Home Insurance
Up to £750,000 to help rebuild your home
Contents Insurance
Up to £75,000 contents cover
Special Features
Buy online and save 30%
Alternative Accomodation

ASDA Money Home Insurance

Buildings Insurance
Up To £500,000 standard (Up to £2m available)
Contents Insurance
Up to £60,000 contents cover
Special Features
'Get you home service' after an accident - up to £250 and a 24-hour legal helpline
Alternative Accomodation

Age Co Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
A personal claims manager if you need to move out of your home due to a claim Worldwide protection for your credit cards, debit cards and cash up to £500
Alternative Accomodation

Saga Home Insurance

Online Discount
Up to 30%
Quotes available for
Homeowners, tenants and landlords
Special Features
We offer a comprehensive quote system for buildings and contents insurance. Follow through and answer the quote questions, then if you are happy to proceed, you can take up your quote instantly and securely, online.

UK Insurance Net Home Insurance

Co-operative Home Insurance

Home insurance is designed to protect your home against damage to the property itself or to the contents within it. Insurance can cover you against the unexpected, such as: theft, fire, flooding, accidental damage, and a number of other things.

Home insurance falls into three categories:

  • Buildings insurance
  • Contents insurance
  • Combined buildings and contents insurance

Buildings insurance will take care of the actual structure of the buildings and the permanent fixtures within the property, whereas contents insurance will take care of your possessions including your electronics, carpets, curtains, jewellery etc.

The Co-op offer separate insurance policies for buildings and contents cover as well as arrange of optional extras. These policies and extra add-ons offer a variety of helpful features.

Co-operative home insurance features

With all Co-operative home insurance policies you can benefit from:

  • UK call centres for help with your quote and customer service
  • Guaranteed 30% No Claim Discount if no claims or losses within 12 months
  • When you take out a policy with them they will give £10 to support the British Red Cross
  • You can also receive up to 20% off when you buy online

Buildings Insurance

  • Up to £500,000 rebuilding costs to cover against loss or damage to the structure of your home
  • Accidental damage cover for underground pipes, drains and cables
  • Cover for domestic outbuildings at your home address, including sheds, garages and greenhouses
  • Property owner’s liability which includes up to £2m plus legal costs

Contents Insurance

  • New for old replacement of items (doesn’t include clothes or household linen)
  • Personal and occupier’s liability up to £2m plus legal costs
  • Up to £2,000 cover from theft from domestic outbuildings
  • Up to £5,000 cover for office equipment in the home
  • Up to £500 cover for visitors personal belongings (limit per visitor)
  • Tailor your policy to your needs by choosing from 4 levels of high risk item limits (£6,000, £9,000, £12,000 or £15,000)

Optional Extras

On top of your standard cover, you can also add the following extras:

Home Emergency cover with HomeRescue Plus

This covers you up to £250 including VAT for certain emergency repairs

Personal Possessions cover

This optional extra allows you to insure your possessions outside of the home

Additional Contents Accidental Damage cover

This optional extra will protect you further for damage such as spilt paint on your carpet or furniture

Additional Buildings Accidental Damage cover

This optional extra will protect you further against DIY accidents such as drilling through a pipe or cable

What is an excess?

Many insurance policies require you to pay out an amount of excess. An excess is the sum you have to pay when you claim on your insurance. Normally, the cheaper the insurance the higher the excess or more restrictions are applied when it comes to claiming.

There are two kinds of excess: a compulsory excess and a voluntary excess. A compulsory excess is set by your insurer and this is what you must pay it when making a claim. A voluntary excess is set by yourself and allows you to minimise your monthly premium by paying more when you make a claim.