Home Insurance

Home and contents insurance protects the place you love best and your personal possessions against damage or loss. You can sleep easier knowing that should the worst happen, you’re covered for major risks like fire, flood and theft.

We can guide you through the process, letting you choose policies to match your individual needs, budget and circumstances.

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Buildings

I own a building and want to insure against structural damages.

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Contents

I want to insure the belongings I have in my home.

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Buildings & Contents
Contents Only
Buildings Only
Landlords

Buildings & Contents insurance

If your property is damaged or made uninhabitable by an insured event such as a fire, storm, flood, subsidence or burglary, the cost of repair is covered to return the property to its normal condition.

Moreover, the cost of replacing all of the contents within your home would also be covered. Where possible, damaged household goods and/or personal effects will be replaced as new if it’s not possible for them to be repaired.

What's included?

Replacement of lost or stolen keys

The replacement of any lost or stolen keys and locks changed if required to keep the home safe and secure.

Electronic downloads

Up to £2000 cover for electronic downloads i.e. music or videos.

Trace and access
Up to £5000 for tracing and accessing leaking water or oil from pipes, tanks and fixed heating systems.
Freezer cover
Replacing food in the freezer that has been spoilt by an accidental change in temperature in your freezer.
Garden cover
Contents covered up to £500 in the open, within the grounds of the home, up to £2,000 for loss or damage to plants, shrubs and trees in the garden and up to £3,000 for theft of contents from outbuildings.
Alternative accommodation

For family and pets should the house become uninhabitable after an insured event.

24 hour helpline
24-hour helpline to assist with emergencies such as boiler breakdowns, broken windows and leaking pipes. If necessary, we’ll also send out a qualified professional to complete any work.

Optional extras

Accidental Damage
Accidental damage to buildings and/or contents cover.
Personal possessions

Insures against accidental loss or damage to items normally worn or carried away from the home, including mobile phones, clothes, bags and sports equipment, jewellery and watches, pedal cycles and keys and spectacles.*

*Limits apply

Legal Expenses
Up to £50,000 of assistance for customers and their family in the event of a range of legal disputes, including employment disputes, bodily injury and clinical negligence.
Home emergency
This service removes waiting times, giving you access to a GP 24 hours a day, 365 days a year, from anywhere in the world.

Contents insurance

The cost of replacing all of the contents within your home would also be covered. Where possible, damaged household goods and/or personal effects will be replaced as new if it’s not possible for them to be repaired.

What's included?

Replacement of lost or stolen keys

The replacement of any lost or stolen keys and locks changed if required to keep the home safe and secure.

Electronic downloads

Up to £2000 cover for electronic downloads i.e. music or videos.

Freezer cover
Replacing food in the freezer that has been spoilt by an accidental change in temperature in your freezer.
24 hour helpline
24-hour helpline to assist with emergencies such as boiler breakdowns, broken windows and leaking pipes. If necessary, we’ll also send out a qualified professional to complete any work.
Garden cover
Contents covered up to £500 in the open, within the grounds of the home, up to £2,000 for loss or damage to plants, shrubs and trees in the garden and up to £3,000 for theft of contents from outbuildings.

Optional extras

Accidental Damage
Accidental damage to buildings and/or contents cover.
Personal possessions

Insures against accidental loss or damage to items normally worn or carried away from the home, including mobile phones, clothes, bags and sports equipment, jewellery and watches, pedal cycles and keys and spectacles.*

*Limits apply

Legal Expenses
Up to £50,000 of assistance for customers and their family in the event of a range of legal disputes, including employment disputes, bodily injury and clinical negligence.

Buildings insurance

If your property is damaged or made uninhabitable by an insured event such as a fire, storm, flood, subsidence or burglary, the cost of repair is covered to return the property to its normal condition.

What's included?

Alternative accommodation

For family and pets should the house become uninhabitable after an insured event.

Trace and access
Up to £5000 for tracing and accessing leaking water or oil from pipes, tanks and fixed heating systems.
24 hour helpline

24-hour helpline to assist with emergencies such as boiler breakdowns, broken windows and leaking pipes. If necessary, we’ll also send out a qualified professional to complete any work.

Optional extras

Accidental Damage
Accidental damage to buildings and/or contents cover.
Legal Expenses
Up to £50,000 of assistance for customers and their family in the event of a range of legal disputes, including employment disputes, bodily injury and clinical negligence.
Home emergency
This service removes waiting times, giving you access to a GP 24 hours a day, 365 days a year, from anywhere in the world.

Landlord’s Buildings & Contents Insurance for buy-to-let properties

In addition to a standard buildings insurance policy, there is extended cover for accidental and malicious damage caused by tenants in a rental property – as an optional extra.

What's included?

Rebuilding costs

Up to £800,000 and includes up to £2 million of cover for your legal liabilities as a property owner.

Home emergency cover

£500 of Home Emergency Cover plus up to £40,000 cover for loss of rent or alternative accommodation costs.

Additional cover options

Legal Expenses
Legal Expenses to extend the level of protection offered by the policy.
Rent Guarantee Cover
Rent Guarantee Cover to extend the level of protection offered by the policy.

Landlord’s Contents Insurance

Helps protect your household goods, furniture and furnishings that you own in your rental property from events such as fire, storm, flood and theft.

What's included?

Legal liabilities
Up to £35,000 and provides up to £2 million of cover for your legal liabilities to third parties as a Landlord.

Additional cover options

Accidental Damage
Accidental damage cover caused by your tenants for an additional premium.
Malicious damage
Malicious damage cover caused by your tenants for an additional premium.

What's Covered?

Fire, smoke or explosion
Impact or collision
Escape of water or oil
Riots, civil commotion, labour & political disturbances or strikes
Storm or flood
Theft or attempted theft
Malicious damage or vandalism
Subsidence or heave
Lightning or earthquake

Still Struggling?

Our explanation video may help you better understand how we can help.

Some Questions?

1. What are the policy limits?

These can be tailored, but typically you can expect the following from the product provider:

  • Buildings insured up to £500,000 as standard
  • Contents insured up to £50,000 as standard
  • Single unspecified item limit up to £5,000
  • Personal liability cover of up to £2 million
2. What about no claims discounts?

Paymentshield offer a 2 year no claims discount for first time buyers and up to 5 years if transferring your entitlement from another provider

3. Are personal possessions covered?

Optional cover can be taken out with a contents insurance policy to cover a range of items from jewellery, clothes, musical instruments and bicycles to cameras, laptops, mobile phones and MP3 players. Please refer to the policy terms and conditions for the specific cover limits.

4. What's covered?

The building and/or contents are covered if damaged by: (subject to the standard policy conditions and sum insured limits)

  • Fire, smoke or explosion
  • Riots, civil commotion, labour & political disturbances or strikes
  • Malicious damage or vandalism
  • Impact or collision
  • Storm or flood
  • Subsidence or heave
  • Escape of water or oil
  • Theft or attempted theft
  • Lightning or earthquake
5. How to make a claim?

If you need to make a claim you can contact Paymentshield on 0345 601 1050 Monday-Friday: 8.00-19.00 or Saturday: 8.00-13.00. One of their Client Account Manager’s will take your details and transfer you through to the correct team. Once the details of your claim have been lodged, your specific underwriter will keep in touch to ensure you know what is happening.

If you have any issues before or during a claim, you can contact TopQuote directly on 0161 233 3110.

TopQuote

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