More Than Home Insurance

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Home & Contents Insurance Offers!
Buildings Insurance
£750,000 million to help rebuild your home
Contents Insurance
Based on what you actually own
Special Features
Amazing home insurance at amazing prices. Buzzvault home insurance is based on what you actually own. This allows us to offer the cover you need at the best price
Alternative Accomodation

Buzzvault Home Insurance

 

Buildings Insurance
No Limit
Contents Insurance
No Limit
Special Features
Up To 30% online discount. 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.
Alternative Accommodation

Up To 30% Off When You Apply Online For New Customers

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
Defaqto 5 Star Rated Home Insurance. 25% online discount for new customers
Alternative Accommodation
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

*T&Cs apply

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
Escape of water cover as standard. Churchill wont just cover the costs of finding the leak but also sort the damage it causes*. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
Alternative Accomodation

Churchill Home Insurance

*Buildings cover required. Policy limits and £450 Escape of Water excess apply. 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 a quote and enjoy a free Costa Coffee with Age Co Home Insurance (Ts & Cs apply)
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

More Than Home Insurance

Home Insurance is a way to be 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 insurance, contents insurance and a combination of the both. Providers will usually give you the option to tailor a cover package to suit you, offering a range of extras varying from accidental damage cover to legal support.

Choosing a More Than home insurance policy

With a More Than home insurance policy you can benefit from the following:

  • Up to £1,000,000 buildings cover as standard
  • Up to £1000,00 for the contents in your home
  • Alternative accommodation provided if your home needs repairs
  • New for Old replacements of your damaged items
  • Storm damage included, if you lose any roof tiles or worse they will cover it – this doesn’t include any damage to fences, hedges and gates
  • UK-based 24 hour call centre

Optional policy upgrades

You can upgrade your cover with the following features to build a truly comprehensive policy that offers all the protection you need.

Trace and Access

With upgraded buildings insurance, you can receive up to £5000 trace and access cover which means that after a leak is fixed they will replace the part of your home that has been damaged during the access. If water freezing in the pipe is what caused the leak then they will replace the damaged pipe.

Accidental Damage

This covers accidents around the home. You can add this to either your buildings or contents insurance, a £250 excess does apply.

Personal Possessions

This add-on gives you cover for items worth less then £1,000 for the devices you carry around with you, like your mobile phone and jewellery. You can also cover ‘Personal Money’ up to £500.

Bicycle Cover

More and more people are cycling but they are often left unattended and are prone to damage. This will cover you up to £1,500 per bicycle

What isn’t normally covered by home insurance?

When you take out a home insurance policy, it is important to be clear exactly what is and isn’t covered. This will ensure that you don’t have any nasty surprises if you need to make a claim and realise the issue affecting you isn’t covered. It also means you can look at adding optional extra cover where necessary to give you the protection you need.

Wear and Tear

Even with a maximum policy, you are generally unable to claim on anything that has been subject to wear and tear, for example: damage by rust, damp, condensation, fading or frosts.

Repairing Leaks

Policies vary but generally with ‘trace and access’ cover you will be covered for the damage to the building or fixing frozen pipes but not to fix the leak itself. Check your policy carefully for its policy on leaks.

Garden cover

You can take out garden cover with most providers but what is actually covered varies greatly. Many won’t cover fences and gates. Check the fine print of your policy for more details.

Special Features

It’s worth noting that some properties, such as listed buildings or buildings with thatched or flat roofs, may require specialist cover and therefore, would not be covered by a standard policy. Many providers do offer the specialist cover needed so make sure you find the right cover for your property.