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Rias Home Insurance

Rias believe in offering great value for money and quality cover – including access to a market-leading, UK based claims service on hand 24/7 to help get everything back to normal fast.


What’s more, for the seventh year running, Rias have been awarded the highest 5 Star Rating by industry experts.


Terms, conditions and limitations will apply to the benefits you’re offered so it’s important to check your policy wording before you purchase

Rias Home Insurance

Buildings Insurance with Rias Home Insurance provides cover for:

  • Subsidence, landslip or heave
  • Water leaks from fixed domestic appliances
  • Trace and access cover, to find where a leak is coming from, including the cost of repairs to walls, floors and ceilings
  • Accidental damage to fixed glass in doors or windows and sanitary fixtures
  • Damage caused by oil or water leaks from a domestic heating system
  • Alternative accommodation – if your home is so badly damaged that you can’t stay in it and you are covered for that damage, you will be offered alternative accommodation
  • Emergency Services Damage – damage caused to your building by the emergency services accessing your home
  • Replacement Locks – if your keys are lost outside the home or stolen, you’ll be covered for replacement locks

Contents Cover with Rias Insurance provides cover for:

  • Accidental damage to TVs and laptops
  • Loss of metered water or oil
  • Accidental damage to fixed glass in mirrors, glass shelves and fixed glass in furniture
  • Refrigerated and frozen food
  • Money and credit cards
  • Deeds and documents
  • Students contents at university – if a member of your family is studying away from home, their contents are insured whether they are in Halls of Residence or private accommodation 
  • Contents of outbuildings
  • Contents in your garden – such as patio furniture and barbecue equipment
  • Alternative accommodation – if your house is damaged by something you’re already insured for, but you cannot stay in it because it is uninhabitable; you will be offered alternative accommodation
  • Replacement Locks – if your keys are lost outside the home or stolen, you’ll be covered for replacement locks
  • Guest contents – if a guest staying with you has their contents damaged or stolen whilst in your home, your policy cover will provide some protection
  • Moving home  – your contents are covered whilst they are in transit from your old home to your new one if they are professionally packed and carried
  • Special occasions insurance increase –  automatic 10% increase in contents sum insured to cover gifts and presents one month before and one month after  weddings, during the month of a religious festival or one month before a family members birthdays
  • Download data – cover for any data you have downloaded legally, such as films or music
  • Carer’s possessions – if you have a carer looking after you, and their contents are damaged or stolen whilst in your home your policy cover will provide some protection
  • Fatal Injury compensation – a lump sum payment to compensate you or your family if one of you is killed by a fire or an assault in your home

You can also add further cover to your Rias Home Insurance policy by purchasing the following extras:

  • Personal Legal Protection – covers you for problems such as contract disputes, clinical negligence and personal injury
  • Home Protection – provides cover for home emergencies such as burst pipes, blocked drains, security and pest infestation
  • Home Protection plus - includes Home Protection plus emergency cover for main heating and hot water
  • Garden Secure – provides cover for loss or damage to walls, gates, fences, hedges, patios, lawns and plants that are not covered under a standard home insurance policy
  • Key Protection - covers theft or loss of home, office and vehicle keys and broken or locked in keys

If you want home insurance that can give you a wide range of benefits at an affordable price, get a Rias Home Insurance quote today.

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