Buildings and Contents Insurance

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Home Insurance
Buildings and Contents Insurance

Get protection for your home and belongings

When you’ve spent time and money creating a safe haven for you and your family, the last thing you need is to worry about not being protected against the unexpected. If you suffered from a fire, flood damage or your home got broken into, how would you cope fixing the damage or replacing your belongings?

A fire, burst pipe or burglary can leave a trail of damage that doesn't discriminate between the structure of your house and your personal belongings inside. That’s why with our Home Insurance you can rest assured we’ll help you get back to where you were before the incident, giving you peace of mind.

No interest charge when you pay monthly
UK based call centres and a claims line open 24/7 365 days a year

Gold and Silver Cover

Our Gold and Silver Home Insurance policies allow you to combine both Buildings and Contents cover helping you to protect your home and belongings all under one policy.

You can read more information about our Buildings Insurance or Contents Insurance. Some of our key cover is in the table but you can find out more details in our cover and limits.

	Gold	Silver
Buildings sum insured	Up to £1.5 million	Up to £1.5 million
Contents sum insured	Up to £150,000	Up to £150,000
Home Emergency Cover	Included (for homeowners)	Included (for homeowners)
Accidental Damage	Included	Optional
Family Legal Protection	Included	Optional

What isn't covered by our Buildings and Contents Insurance?

Your chosen excess will apply on each claim (minimum £100).
An excess of £500 will apply for Escape of Water claims.
In the event of Subsidence, Heave or Landslip, there’s an excess of £500.
Storm or Flood damage to fences, gates and hedges.
Maintenance, wear and tear or damage that happens gradually over a period of time, such as damp or rot.
If your home has been unoccupied for more than 60 consecutive days, we won't cover loss or damage caused by malicious acts, vandalism, theft and attempted theft, water or oil leaks, breakage of glass or sanitary ware or frost damage.
The costs of replacing any undamaged or unbroken item or parts of items forming part of a set, suite or other article of uniform nature, colour or design if damage occurs within a clearly identifiable area or to a specific part and it is not possible to match replacements.

These are only examples of the cover, limits and exclusions that apply. Every insurance policy including ours, will have limitations and exclusions so it's vital that you check what's included before you purchase. For more details of what is and isn't covered, please read the Insurance Product Information Document and policy booklets, which can be found in the Key Documents:

Key Documents

PDF file: Gold Insurance Product Information PDF size: 141 KB

PDF file: Silver Insurance Product Information PDF size: 140 KB

PDF file: About Us, Our Terms and Services PDF size: 34 KB

PDF file: Cover and Limits PDF size: 66 KB

PDF file: Gold and Silver Policy Booklet PDF size: 257 KB

Why choose us?

UK based call centres

UK based call centres and a claims line open 24/7 365 days a year

insurance - resources - why choose us cash - IMG SIMPLE

Interest free payments

Spread the cost and pay monthly instalments interest free with Gold and Silver!

insurance - resources - why choose us house - IMG SIMPLE

1 million homes

We insure over 1 million homes in the UK

Our Ratings

Our Home Insurance Gold has been independently rated 5 Stars.

Our Home Insurance Silver has been independently rated 4 Stars

Contact us

Make a claim Change your policy

Call on 0370 263 5510

Lines are open:
9am to 6pm Monday to Friday
9am to 1pm Saturday
Closed Sundays

We're not open on Bank Holidays.

Call charges may vary.

We may record and monitor calls.

Multi-Pet Discount Terms and Conditions

Legal & General, L&G, L&G – EVERY DAY MATTERS and the Legal & General Logo are registered trade marks of Legal & General Group PLC and are used by Fairmead Insurance Limited under licence. Legal & General Group PLC has no responsibility for the products of Fairmead Insurance Limited or the servicing of those products. This policy is underwritten by Fairmead Insurance Limited which is a member of the Liverpool Victoria General Insurance Group. Fairmead Insurance Limited is not a member of the Legal & General group of companies.

Fairmead Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, Financial Services Register number 202050. Registered in England and Wales Number 00423930. Registered office: 57 Ladymead, Guildford, Surrey, GU1 1DB.

Buildings and Contents Insurance

Gold and Silver Cover

UK based call centres

Interest free payments

1 million homes

Buildings Insurance

Contents Insurance

FAQs

Getting a Home Insurance quote

Buildings Insurance Hints & Tips

Does Home Insurance cover your mobile phone?

Contact us

Multi-Pet Discount Terms and Conditions