Home insurance

Lost or stolen keys
We’ll make you safe by covering replacement and installation costs up to £1,500.

Repairs and replacements
You can relax – any repairs carried out by one of our partners come with at least a 12-month guarantee.

Professional fees
Your building sum insured of £1m includes site clearance and professional fees as well as the cost to rebuild your property in full, including any outbuildings or other features within the boundary. You must make sure £1m is enough to rebuild in full including all these costs.

Alternative accommodation
If we are dealing with a claim that means you are unable to stay in your home.

Mobile phones
Our contents cover includes mobile phones in the home up to £2,000.

Fridge and freezer
We’ll cover the cost of frozen and refrigerated food damaged due to a rise in temperature.

Shopping in transit cover
If something is lost, stolen or damaged on the way home from the shop where you bought it, we’ll cover you up to £500.

Terms and exclusions apply to the cover we provide. Please read our policy documents.

You can easily check your policy and make changes through your online account, 24/7. Using your online account means you won't be charged any admin fees for making a change.

Don’t have an online account? It's simple to set one up, get started.

If you want to make a change via phone, email, post or Live Chat, there’s a £20 admin fee.

Please note, changes to your policy or endorsements can lead to your premium cost going up or down for the rest of your policy term

There are a few ways to get in touch when you need us:

• Our Live Chat - just click on the speech bubble icon in the bottom corner of this web page to chat to a member of our friendly team
• Our Contact Us form - send us a message anytime and we’ll get back to you as soon as we can

We want to make renewing your insurance easy, so the price we've given you is our best and final price based on your current cover and the information we hold. We don't offer discounted prices if you call us, so if you choose to renew online you’re still getting the best price.
Read: A guide to your home insurance renewal quote

If you have an outstanding balance notification on your car, home or van online account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification.

Simply click the ‘Pay now’ button and we’ll guide you through the process step by step.

There could be a few reasons you have an outstanding balance on your account, such as, the full amount could not be collected when your Direct Debit was due, or your policy may have been cancelled.

If you have an outstanding balance notification on your car, home or van account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay outstanding balance’ button and we’ll guide you through the process.

Yes. If you have car, home or van insurance it’s easy to make a payment online. Simply log in to your online account, click the ‘Pay now’ button and we’ll guide you through the process.

Yes. If you have car, home or travel insurance, it’s easy to change your address online. Simply log in to your online account, clickthe ‘Change address’ button and we’ll guide you through the process.

For Ageas travel insurance customers please log in here, you can also email service@ageas-travel.co.uk, or contact us.

Home insurance is designed to provide financial protection in the event of damage to your home and its contents.

Home insurance can be paid for on a monthly or annual basis. It covers the costs of repairing or rebuilding your home if it's damaged by things like fire, storms or floods, as well as the cost of replacing items in your home if they're damaged, destroyed or stolen - provided they're covered by the terms of your insurance policy.

There are three main types of home insurance:

• Buildings insurance. This covers damage to the structure, permanent fixtures and fittings of your property and outbuildings, such as walls, roofs, floors, bathroom suites and kitchen units.
• Contents insurance. This covers you for the loss of or damage to your possessions in events such as a fire, flood,or theft, while they are inside your home or outbuildings. This could include carpets, curtains, furniture, home appliances or electrical goods. Optional cover is also available for items used outside the home.
• Buildings & Contents insurance (Combined). Both types of cover in one policy.

There are always exclusions to any insurance policy, so please check the details in full before selecting a home insurance policy.

What’s covered under your home insurance depends on the type of policy you have.

Buildings insurance covers the cost of repairing damage to the structure of your home caused by insured events, up to the cost of £1million to rebuild the house from scratch. It includes things like:

• Walls and roofs
• Floors
• Windows and doors
• Permanent fixtures and fittings, like bathroom suites and kitchens
• Some external structures, like garages and outbuildings.
  
  

Contents insurance covers the cost of repairing or replacing the contents in your home if they're damaged in an insured event. It usually includes:

• Soft furnishings
• Furniture
• White goods
• Electronic goods
• Clothes
• Money and jewellery (usually up to a certain value).
  
  

Most insurers provide cover for damage or loss caused by a number of perils, such as fire, vandalism, storm, flood, theft and subsidence.

You are also likely to be given the option to purchase a combined policy that covers both contents and buildings. There are also optional types of cover that you can add to a home insurance policy, including things like home emergency cover, accidental damage, personal belongings and legal expenses cover.

Before you take out home insurance, you’ll need to determine what level of cover you need.

You can then shop around for quotes online. When you start a quote, insurers will need you to provide some details about yourself, any other occupants in your home, the home itself and how you use it. This is so they can work out if they can offer you a quote and at what price.

Once you have a policy in place, if you need to make a home insurance claim, you will need to get in touch with your insurer and provide as much information as possible about what happened. They will then process your claim and either arrange and pay for works or provide funds to repair your home or replace your possessions, provided you're covered for that type of damage or loss under your policy. Find out more about making a home insurance claim

If you have a mortgage or own your property, it’s a good idea to consider both buildings and contents insurance, to make sure both your property and its contents are protected. You can get both buildings and contents insurance under one policy. This can make it more convenient if you need to make a claim and can often work out cheaper than taking out separate policies. It may also mean only one excess is payable in the event of a claim affecting both buildings and contents.

Buildings insurance is often a requirement if you have a mortgage, to cover the cost of repairing any damage to the structure of your property and outbuildings in events such as a fire, storm, flood, and escape of water. This includes things like the roof, walls and floors as well as permanent fittings and fixtures, such as windows, fitted kitchens and bathrooms. You’ll need to make sure that the amount insured on your property would be enough to completely rebuild the property, including outbuildings, site clearance and professional fees.

Contents insurance is not a requirement, but it’s worth considering whether you own your property. Contents insurance covers you for the loss or damage to your possessions in events such as a fire, flood, escape of water, or theft, while they are inside your home or outbuildings, so they can be repaired or replaced. This includes thigs like carpets, curtains, furniture, home appliances and laptops whilst in the home. Optional cover is also available for items used outside the home.

If you do decide to take out a policy, you’ll have to estimate the full replacement value of all the contents of your home, if they were to be replaced as new.

There are always exclusions to any insurance policy, so please make sure you check the details in full before selecting a home insurance policy that’s right for you.

If buildings insurance is a requirement as part of your mortgage agreement or you've decided to take out a policy anyway, you’ll want to have it in place for when the exchange of contracts happens. 

Contents insurance is not normally a requirement of your mortgage agreement and, if you decide to get it, it doesn’t need to kick in until you move your possessions into your new home. However, you may find it's easier and cheaper to take out both buildings and contents cover together in one policy.

You may already have buildings insurance in place for your current property. In this case, your existing insurer may be able to hold cover on both buildings and then transfer the contents over to the new property at the completion date.

It’s never nice to think about, but unforeseen things can happen in your home, and it's important to be prepared.

If your home were to be affected by theft, fire or flooding, you could be left with a hefty bill to put things right. That's where insurance can help. Having home insurance cover in place means you get peace of mind knowing that these types of costs should largely be covered if something happens.

You can get a home insurance quote online either directly on an insurer’s website or through a price comparison website. In either case, you should have as much information as possible to hand about yourself, your home and your belongings, as insurers will need it to determine whether they can offer you a quote and what the price of your premium will be.

If you would like to see how Ageas could help with your home insurance, take a look at our policy booklet or get a quote for our home insurance online today.

Accidental Damage is usually an optional extra that helps cover the cost of repairing or replacing items accidentally damaged at home, giving you more peace of mind. To be covered, the damage must result from a sudden and unexpected event – it can’t be done on purpose, or arise from wear and tear, poor maintenance or breakdown.

Accidental Damage is a common reason for claiming, but it's not usually included in your home insurance policy as standard.

You can choose to add Accidental Damage cover to your buildings, insurance, contents insurance or both, for an additional cost. If it’s for Buildings insurance, it will provide extra protection for damage caused to the structure of your home and its permanent fixtures and fittings. And if it's for contents insurance, it will provide extra protection for those unavoidable little accidents around the home, like spilling red wine on a carpet.

For the greatest peace of mind, select Accidental Damage on both your buildings and contents covers.