Unlimited home insurance

Unlimited home insurance is a policy that provides buildings, contents or combined cover without an overall claim limit.

• With unlimited buildings insurance, your insurer agrees to cover the full cost of repairing or rebuilding your home if it’s damaged by an insured event.

• Unlimited contents insurance provides cover for your belongings without an overall limit if they’re damaged or stolen from your home.

Unlimited home insurance is often aimed at homeowners whose property or possessions are difficult to value accurately, such as owners of listed properties, large homes or valuable collections.

Most home insurance policies have a maximum amount they’ll pay out if you need to make a claim. With unlimited cover, there’s no overall claim limit.

This can help reduce the risk of being underinsured if rebuilding costs rise or the value of your possessions increases over time.

Underinsurance happens when your home or possessions are insured for less than they’re actually worth, resulting in an insurance provider not paying out the full claim amount.

But keep in mind that ‘unlimited’ doesn’t mean you can forget about your policy altogether. You still need to:

• Let your insurer know about major renovations or home improvements

• Declare valuable items that are worth more than your policy’s single-item limit

• Keep your policy information up to date

• Check for any exclusions or limits within the policy.

Even when a policy offers unlimited cover, exclusions still apply. Depending on the insurer, you may not be covered for:

• General wear and tear

• Gradual deterioration

• Deliberate damage

• Properties unoccupied for more than 30 to 60 days

• Damage caused by poor maintenance

For more details, read our guide on What’s covered by home insurance? And check your policy wording carefully to understand what is and isn’t covered.

Comparing with us is simples. All we need is some basic details about you and your home, including:

• Your current home insurance policy

• The rebuild value of your property

• The type and level of cover you need.

We’ll then show you personalised quotes from a range of trusted providers, so you can compare them side by side.