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Halifax Home Insurance

Home insurance with Halifax provides a wide range of cover with their Buildings and Contents Insurance, which you can buy separately, or together. You can also add on a number of useful cover options to ensure you have exactly the right home insurance for your needs.

If you need to make a claim, Halifax Home Insurance operate only UK based call centres, and if you need help in an emergency, there’s a 24 hour helpline.

Limits, terms and conditions will apply to the cover below, so it’s important to check the policy wording before you purchase.


Halifax Home Insurance

As standard Halifax Home Insurance covers you for the following:

If you take Buildings Cover

  • Alternative accommodation – if you can’t live in your home because of an insured cause, you and your domestic pets will be covered for the cost of alternative accommodation
  • Full replacement of undamaged or lost items if they are part of a pair or set e.g. a bathroom suite
  • Accidental damage to underground services including drains and cables for which you are responsible
  • Escape of water damage from things such as domestic appliances or burst pipes
  • Tracing and accessing a leak where damage is as a result of escape of water or oil, or accidental damage to underground services
  • Replacement of locks and keys to outside doors, fixed safes or alarms in your private residence

If you take Contents Cover

  • Contents replaced on a new for old basis
  • A reduced excess of £25 to pay for smaller claims, such as claims for freezer contents, visitors’ belongings or replacement of locks and keys
  • Alternative accommodation - if you can’t live in your home because of an insured cause, you and your domestic pets will be covered for the cost of alternative accommodation
  • Full replacement of undamaged or lost items in your private residence if they are part of a pair or set, such as a 3 piece suite, when you make a successful claim
  • Cover for contents when you’re moving home when you use a professional removal firm
  • Special occasion cover, for the extra contents you may have in your private residence for your religious festival, wedding day or civil partnership ceremony 
  • Clerical office equipment like computers, fax machines, printers and any other clerical equipment you use in your office in your private residence, specifically for your business
  • Damage to freezer contents as a result of an accidental loss of power
  • Cover for money and cards when in your private residence
  • Visitors’ belongings if they are damaged or stolen while staying in your private residence

Halifax Home Insurance offers the following cover options, for an additional premium:

For your Buildings:

  • Accidental damage cover if, for instance, you have a DIY disaster and accidentally damage a wall, or  wall tiles, you’ll be covered for repairs or replacements
  • Outbuildings Cover - to cover your detached sheds, greenhouses and summerhouses in the boundaries of your home 

For your Contents:

• Accidental damage cover, for instance, if you spill something on the carpet and the stain won’t come out, or your cat tears your favourite curtains
• Cover for Contents in your detached outbuildings or kept in your garden
• Cover for belongings you take with you when you’re out and about like your phone, laptop or e-reader
• Pedal cycle cover - for damage to or theft of your bike, in or away from the home
• Students’ contents - if a member of your family is away studying at university or college, this covers their contents in private rented accommodation or halls of residence
• Option to specify items worth over £3,000 such as jewellery, paintings or collections

Other covers options available are:

  • Legal Expenses cover – helps you when you need assistance with a legal problem such as a personal injury claim, a dispute relating to building work or a dispute with your employer (underwritten by DAS Legal Expenses Insurance Company Limited)
  • Home Emergency cover – if the heating packs in, or you’ve got no water, ring the 24-hour emergency helpline and a tradesman will be sent to your home to sort the problem. (Underwritten by Royal & Sun Alliance Insurance plc).

Halifax Home Insurance will give you the peace of mind you need to protect your home and its contents from any unexpected events.  Get a Halifax Home Insurance quote today and see just how much money you could save.

Halifax Home Insurance is underwritten by Lloyds Bank General Insurance Limited.

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