Protect what you love with
Swiftcover Home Insurance
There’s no place like home. It’s full of memories, and your personality is reflected in every detail. So, you’ll want to protect everything that makes your house a home.
Choose the package that suits you best, then enhance your protection by choosing any of our great value add-ons.
Swiftcover Home Insurance Products
Swiftcover Home Insurance
- Buildings insurance up to £500,000
- Contents insurance up to £50,000
- Got a big birthday or religious festival to organise? Event and special occasions cover included as standard up to £2,500
- Up to £1,500 for single items
- Up to £10,000 total valuables with contents insurance
- Bicycles covered as standard up to £350 per bicycle or total bicycles £1,500
- Option to specify your higher risk items when at or away from home
- Option to specify your bicycles
- Flexibility to pick extra protection from our full range of add-ons
Swiftcover Plus Home Insurance
- Buildings insurance up to £750,000
- Contents insurance up to £75,000
- Got a big birthday or religious festival to organise? Event and special occasions cover included as standard up to £2,500
- Home Assistance and legal expenses cover included as standard
- Higher limits for both buildings and contents insurance for more reassurance
- Up to £1,500 for single items
- Up to £20,000 total valuables with contents insurance
- Bicycles covered as standard up to £350 per bicycle or total bicycles £1,500
- Option to specify your higher risk items when at or away from home
- Option to specify your bicycles
Swiftcover Home Insurance
cover options
Want buildings insurance, contents insurance or both combined?
Take a look at our cover options and find the insurance that’s right for you.
Buildings cover
Product
Swiftcover Home Insurance
Swiftcover Plus Home Insurance
Product description
For your essential needs
Premium cover level for your peace of mind
Feature
Buildings cover
£500,000
£750,000
Alternative accommodation
£20,000
£40,000
Replacement keys and locks
£500
£500
Trace and access
£2,500
£5,000
Architects fees and debris removal
Included
Included
Emergency access (Buildings)
Included
Included
Emergency access (Garden)
Included
Included
Moving home (Contracting Purchaser)
As per the buildings maximum limit
As per the buildings maximum limit
Property owner's liability
£2,000,000
£2,000,000
Contents cover
Product
Swiftcover Home Insurance
Swiftcover Plus Home Insurance
Product description
For your essential needs
Premium cover level for your peace of mind
Feature
Content sum insured
£50,000
£75,000
Total valuables
£10,000
£20,000
Single items limit
£1,500
£1,500
Money
£250
£250
Alternative accommodation
£10,000
£20,000
Frozen food
£500
£500
Business equipment
£1,500
£3,000
Contents in outbuildings
£1,000
£2,000
Special events increase
£2,500
£2,500
Replacement keys and locks
£500
£500
Digital assets
£500
£500
Documents
£500
£500
Liability to domestic staff
£10,000,000
£10,000,000
Tenants liability
£5,000
£7,500
Occupiers and public liability
£2,000,000
£2,000,000
Frequently asked questions
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How do I renew my home insurance?
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Do I need to tell you about the individual value of my home contents?
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Can I cover my possessions away from home?
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Will my premium increase at the next renewal date if I make a claim on my home insurance?
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How much do I need to insure my home for?
Optional extras
Add any of the following cover options when you get a quote:
Accidental damage
Protect your home from loss or damage caused by unexpected and accidental one-off events.
Accidental damage for buildings provides cover from £500,000 for things like broken windows, sinks, bathroom fittings, and underground drains, pipes and cables.
Accidental damage for contents provides cover from £50,000 for things like broken mirrors, entertainment equipment, and loss of domestic heating oil or metered water.
Read the policy wording to find out more about accidental damage cover
Personal possessions
Personal possessions covers personal effects like valuable jewellery, mobile phones, tablets and money taken out of the home and anywhere in the world, up to £1,500 per item. You can choose from £1,000 up to £15,000 worth of total cover.
Read the policy wording to find out more about personal possessions cover
Specified items
Specified item cover allows you to protect your higher risk items whilst at and away from your home.
Items you specify away from the home will be covered under the Personal Possessions section of your policy.
Items valued at more than £1,500 will need to be specified on your policy if you want them fully covered, in addition to any unspecified personal possesions total you may have chosen.
Read the policy wording to find out more about specified items cover
Home assistance
Blocked drain, burst pipe or broken boiler – but no time to fix them? With our home assistance helpline, we’ll arrange for an authorised contractor to carry out a temporary fix as soon as possible. It covers you for up to £1,000 per claim for call-outs, work and parts required. Home assistance is included as standard with Swiftcover Plus Home Insurance, and available as an additional cover option for Swiftcover Home Insurance.
You must check that you do not have any other insurance policies that may cover the same events and costs that this cover provides. If you're a tenant, please check before you buy this additional cover that you don't have home emergency cover already, and that you have the authority of the landlord to authorise emergency repairs.
Read the policy wording to find out more about emergency home assistance cover
Legal expenses
Even if you win your case, legal fees can be very expensive. Get up to £50,000 of legal cover as standard with our Swiftcover Plus Home Insurance policy. It’s available as an additional cover option with Swiftcover Home Insurance. You’ll also get access to a free 24-hour legal helpline and discounts on services like conveyancing.
Read the policy wording to find out more about legal expenses cover
Garden cover
Garden cover provides up to £2,000 of cover for loss or damage to things like plants, trampolines and garden furniture caused by a range of risks including storm, theft and fallen trees.
Read the policy wording to find out more about cover for your garden
Student cover
Student cover provides up to £5,000 of cover per student and covers things they keep in their accommodation like laptops, phones and tablets against risks like theft, malicious acts, storm or flood.
Read the policy wording to find out more about student cover
Bicycle cover
When you purchase contents insurance you automatically get up to £350 cover per bicycle and up to £1,500 for your total bikes. With our extra cover you may have the option to specify your higher value bicycles too.
Read the policy wording to find out more about cover for your bicycle
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Tips and guides
1 Subject to a valid claim, excess applies, repair or cash may be offered. Terms and conditions apply.
2 Three years for building repairs, one year for contents repairs.