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Home insurance

Your home isn't just about the bricks, the glass and the tiles - it's also about the antique chairs, the priceless brooch that’s been passed down over the generations and the wind chime in your garden that your daughter made at school. If something happens to those things, it's not just your wallet that suffers - it's your whole world.

We offer you a wide range of buildings and contents insurance, all aimed to swiftly put your world in order again.

We make it easy to buy home insurance online

Household insurance comes in different shapes and sizes. We can cover your buildings, your contents or both. Our approach is to offer a simple policy, with extras like accidental damage or garden cover if you need them.

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Our home insurance includes all of these benefits as standard:

We can cover your buildings, your contents or both.

Conditions apply.

Your choice of optional extras:

We offer you the flexibility to add these optional extras to your home insurance:

Personal Possessions Cover

Personal possessions cover

Personal possessions cover can be added to contents cover. Without this, your possessions are not covered when you are away from home. If, for example, you lose a ring when on holiday, you will need to have personal possessions cover in order to be insured for your loss.

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Legal expenses

Legal expenses cover covers your legal costs in case you are involved in a dispute, up to £50,000 for you and your family who live with you. Our legal expenses cover is provided by DAS Legal Expenses Insurance Company Limited.

Accidental Damage Cover

Accidental damage

This protects your home against unexpected accidents, such as spilling a glass of wine on your carpet or sofa. You can choose to add accidental damage cover to either the buildings and/or contents part of your policy.

Garden Cover

Garden cover

We’ll provide up to £2,500 of cover to protect your garden. This covers loss or damage to your plants and trees, plus garden ornaments or statues.

Home Emergency Cover

Home emergency expenses

This protects your home against emergencies such as burst pipes, boiler breakdown, vermin infestation or repairs to a damaged roof after a storm. It can also cover overnight accommodation costs if your home becomes unsafe or insecure. Our home emergency expenses cover is underwritten by Brit syndicates 2987 at Lloyds and administered by ARAG plc.

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Personal accident cover

A valuable addition to your insurance which provides cover if a family member or friend is injured while in your home. This includes cover to help if any insured person is seriously injured or hospitalised following an accident plus up to £25,000 bodily injury cover. Our personal accident cover is provided by Ultimate Insurance Company Limited.

Purchase or add optional extras

If you would like to purchase an optional extra or add an extra to your existing policy, please call us on 0844 571 0290.

Existing customers can also update their policy online by logging into their My Zurich account.

Contact us

We're here to help, so if you have any questions please get in touch.