British Gas Home Insurance

Buildings cover

Buildings cover with British Gas Home Insurance includes:

• Standard cover against unexpected events like a storm, flood, fire or an explosion.  
• Subsidence – Is the result of ground movement affecting your property, the most common signs of which are diagonal cracks away from the door and window frames, which will need specialist repairs and British Gas Home Insurance will cover you for the repair costs to rectify damage to your property (limits apply)
• Alternative accommodation – We will pay you for any one claim for the reasonable cost of alternative accommodation for you, your family and your domestic pets when your home cannot be lived in due to loss or damage covered by this policy (limits apply)
• Burst pipes – pipes often burst because they have worn out; if this happens, you will be covered for the damage the water has caused to your home
• Damage caused by the emergency services gaining access to your property
• Replacement locks and keys are covered whether they are lost or stolen. The locksmith’s charges are also included. This does not apply for garages and outbuildings (limits apply)

Contents cover

Contents cover with British Gas Home Insurance includes:

• New for old – British Gas will replace your original item with a similar brand new one  (except on clothes, towels, bed or table linen where a reduction is made for wear and tear) if beyond economic repair.
• Furniture, carpets, curtains, anything that isn’t fixed to a wall and you could take with you if you moved is covered
• Jewellery (limits apply)
• Alternative accommodation – We will pay you for any one claim for the reasonable cost of alternative accommodation for you, your family and your domestic pets when your home cannot be lived in due to loss or damage covered by this policy (limits apply)

Extend your cover

Options you can choose to purchase to extend your cover:

• Accidental Damage to buildings – If you do something like knock a nail in the wall and hit a water pipe or put your foot through a ceiling, you’ll be covered
• Personal possessions away from home (limits apply)
• Home emergency cover –  For emergency repairs to a problem with your electrics rendering your home uninhabitable, plumbing or central heating (limits apply)
• Legal Expenses – If you have a problem concerning your home, such as with a workman who hasn’t done a job properly or have a claim bought against you for a breach of contract following the sale of your belongings, you’ll be covered up to certain limits to take or defend legal action. This also provides cover for instances such as clinical negligence and employment disputes (limits apply)
• Bicycle cover – Cover for loss or damage worldwide (limits apply)
• Garden equipment and furniture
• Student cover – Protect the belongings of the student in your family, whilst they’re at college or university (limits apply)

British Gas also supplies Landlords Insurance. If you want to see how much you can save on your buildings and/or contents insurance, compare the market today and see if a British Gas Home Insurance quote can save you money.

British Gas have partnered with AXA to help protect your home from the unexpected.