Endsleigh Home Insurance
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*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 cover – Up to £1 million for damage or loss to your walls, roofs, driveways and patios, as well as permanent fixtures such as kitchen units, bathroom fittings and fitted wardrobes.
Contents cover – Up to £50,000 for your household goods on a new-for-old basis, including furniture, carpets, home entertainment equipment, frozen foods and business equipment.
Trace and access – Up to £5,000 for cost of replacing any parts of the building that were damaged to help get to escaping water.
Alternative accommodation – Up to £40,000 (if you have combined buildings and contents insurance) towards alternative accommodation for you, your family and pets if your home is uninhabitable while it’s being repaired after an insured event.
24/7 emergency helpline
Optional upgrade to Home Plus or Select Premier Insurance, giving you cover for personal possessions , accidental damage, home emergency, family legal protection, professional fees
What’s not covered
Wear and tear, maintenance and routine decoration
Theft, vandalism or accidental damage caused by a paying guest or tenant
The cost of repairing or replacing items following a mechanical or electrical fault
Damage or theft if the house has been unoccupied for more than 60 days in a row
- 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
- Cover for underground pipes comes as standard, so any accidental damage to those you are responsible for between your property and the mains is taken care of
- No need to specify single items worth less than £2,500 such as jewelry and paintings kept within the home
What’s not covered
- Home cover does not include loss or damage to valuables, personal belongings and pedal cycles when away from the home (available with Saga additional cover options – Personal Belongings Cover and Specified Pedal Cycles Outside the Home Cover).
- Home cover does not include loss or damage to contents in student accommodation.
- Certain loss or damage when your home is lent, shared, let or sub-let.
Cover for your property, possessions and more.
Damage to your property and possessions
- Caused by events such as fire, theft, subsidence and flooding
- Includes damage to garages and outbuildings and their contents
Cost of alternative accommodation (including loss of rent)
- We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
- And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable
Liability protection for injuries or property damage
- If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wet rot, dry rot or frost damage
- Damage that’s been caused over time
- Fences, gates or hedges damaged in a storm
- Claims for poor workmanship or faulty design
Take a look at our policy wording for full details of what’s not covered.
* Excludes Home Emergency and Home Legal expenses
- Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need
- Quickly compare home insurance quotes
- We’ll show you which home insurance quotes are the cheapest along with claims experience, a quality score, home emergency cover and cover level
- Once you’ve found a policy that suits your needs, you can call or click through to apply for your home insurance policy directly with the insurer
- *51% of consumers could save up to 41.70%, or £90.17. Consumer Intelligence, November 2019
- Save £££’s online with our home insurance policies
- Buildings, contents or combined insurance available
- Add on optional extras
- Low prices with great value insurance
- Flexible, comprehensive home insurance
- CCJ’s, bankruptcy or offenders acceptable
- Cover available for vacant property
- Non standard construction insurance available
- 9 out of 10 customers rate overall claims service as excellent
What do I need to get a quote?
Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:
Your property’s build date: you can find the actual date in your mortgage survey or home buyer’s report
The date you bought your house or when you moved in.
Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.
Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.
The rebuild cost of your house: Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.
The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.
The details of any items you wish to insure that are worth over £1,000.
Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.
What does home insurance cover?
Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.
Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.
Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.
You can compare all three policy types through Confused.com.
You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.
For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.
- Cheaper insurance based on what you actually own – Every policy includes a free video survey with one of our accredited surveyors – meaning that in just 15 minutes, you’ll have an accurate figure of the exact level of cover you need
- Quick and easy claims – for items under £5,000 the survey will also serve as proof of ownership – meaning smoother, faster claims
- Get a quote in 60 seconds
- Your data is protected by bank and government grade technology, ensuring the highest levels of security and privacy. Your data will never be shared without your consent
- No cancellation fees
- No administration fees to make changes
- 24/7 UK based claims service
- Contents cover can include bicycle & gadget cover
- Damaged items get replaced with new
- Underwritten by Great Lakes, a fully owned subsidiary of Munich Re Group who are one of the world’s leading reinsurers
Endsleigh Home Insurance
Emergency situations cannot be anticipated, so people are rarely financially prepared for when their home is subject to an accident, adverse weather damage, fire, or theft. However, these things can happen, so it’s best to be prepared. Building repairs are expensive and with most properties holding approximately £25,000 of contents, home insurance is a good way to be ready for the worst.
Endsleigh Contents Insurance
Endsleigh offer flexible contents cover where you can choose the protection you need. It’s adjustable and can be applied just to yourself or everyone under your roof.
Endsleigh Buildings Insurance
With buildings cover from Endsleigh, you can take advantage of a number of benefits
Fixtures and fittings cover
This includes cover for built in kitchens, bathrooms and fixed bedroom furniture as well as central heating and plumbing systems. It also covers you externally for your driveway, garden path, walls, gates, fences, hedges and outbuildings.
£10,000 worth of liability cover which provides you against any accidental damage caused by employees you have working in your home.
Personal liability cover
Protects you if anyone suffers an injury on your property or as a result of a problem with your property, such as a structural defect.
You can choose a number of add-ons for your insurance policy from Endsleigh to help you build comprehensive cover that provides everything you need for complete peace of mind.
Legal expenses cover
Up to £50000 to cover legal costs in case you are involved in a dispute.
Mobile phone insurance
You can cover your phone at home, anywhere in the UK and up to 30 days worldwide against theft, loss, accidental and liquid damage.
Cover away from the home
Insure the things you take out with you against theft, loss and accidental damage, including while you’re abroad.
Accidental damage cover
You can upgrade your policy to include full accidental damage cover to protect the contents within your home. If you are a tenant, this will also cover the landlord’s contents that you are responsible for under your tenancy agreement, such as curtains and lampshades.
This provides you with 24 hour ‘first aid protection’ for your home.
Non-standard home insurance
Endsleigh also offer non-standard home insurance, which is great if your home if it’s a non-standard property or if it’s unoccupied or affected by subsidence or flooding.
Endsleigh have 15 years’ experience insuring non-standard homes, so offer flexible cover that is suited to the more tricky aspects of your home.
Endsleigh provide unique insurance options to protect both your buildings and contents where many other providers would not. This is because if your home is considered to be non-standard, it’s possible that you won’t be able to obtain a quote for a standard home insurance policy.
What defines a non-standard home?
Many people are unsure about what makes a home non-standard or “specialist”. Below are some examples of properties which you may find difficult to insure with a standard policy.
- Unoccupied homes
- Homes which are undergoing renovation
- Properties affected by subsidence or flood
- Non-standard construction, including timber or steel-framed
- Homes with high-value contents
- Listed or period properties
- Properties with flat roofs or thatched roofs
- Country homes
- Barn conversions
- Holiday homes
Endsleigh will also provide you with a quote to cover your home if you have a conviction, unclear claims history, or have been previously declined insurance.
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