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We can cover your buildings, your contents or both. Our home insurance includes all of these benefits as standard:

  • Automatic buildings cover up to £600,000

  • Automatic contents cover up to £60,000

  • Somewhere to stay if something happens to your home (following an insured event) which means you can’t live there until it’s fixed

  • Cover for accidental damage to audio television, DVD and videogame console equipment automatically included

  • Cover for accidental breakage to fixed glass, sanitary ware, mirrors and ceramic hobs

  • Guaranteed repairs following a claim when using our approved repairers

  • UK based call centres

  • 24 hour claims assistance helpline

Conditions apply.

Buildings cover
  • Up to £600,000 of cover for rebuilding your home

  • Cover for damage caused by subsidence

  • Cover for repairing blocked pipes between sewers and your home when you are legally responsible for them

  • Cover for accidental breakage to fixed glass, fixed sanitary ware or fixed ceramic hobs in built-in kitchen

  • Guaranteed repairs following a claim when using our approved repairers

  • UK based call centres

  • 24 hour claims assistance helpline

Conditions apply.

Contents cover
  • Automatic contents cover up to £60,000

  • Up to £10,000 towards somewhere to stay if something happens to your home (following an insured event) which means you can’t live there until it’s fixed

  • Cover for accidental damage to audio, television, DVD and video game console equipment automatically included

  • Cover for accidental breakage to fixed glass in furniture, mirrors or ceramic hobs in free-standing ovens

  • Guaranteed repairs following a claim when using our approved repairers

  • UK based call centres

  • 24 hour claims assistance helpline

Conditions apply.


We also offer a range of optional benefits that you can add to your policy to tailor it to your specific needs – find out more here.

Your choice of optional extras

Garden Cover
from £25


Legal Expenses
from £22.99

Accidental Damage

Personal Possessions
Cover

Personal Accident Cover
from £21.99

Home Emergency Expenses
from £30.99


Garden cover

Cover from £25
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.

Legal Expenses

Cover from £22.99
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

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.

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.

Personal Accident Cover

Cover from £21.99
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.

Home emergency expenses

Cover from £30.99
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.

If you have any unanswered queries about what we have to offer, please refer to the home insurance questions below. If, however, you do not find the answer you are looking for please don’t hesitate to contact us.

What’s happening with my policy documents?

You can access your policy documents by registering for your own personal, secure online ‘myZurich’ account. Alternatively, if you have requested that your documents be posted to you, these should arrive at the address you gave us, within 7-10 working days. However, if you have not received your policy documents, please call us on 0844 571 0290 so we can sort it out for you.

What is 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.

How do I make a home insurance claim?

To report a claim in the United Kingdom please call us on 0845 300 2702. Lines are open 24 hours a day, 365 days a year.

How much home buildings cover do I need?

You need to make sure that you have enough cover for the full rebuilding cost of your home for buildings insurance and for the total replacement cost of all your belongings as new with contents insurance. The rebuilding cost of your property is different from the market value, and you will need to ensure you have sufficient cover for the full rebuilding cost of your property.

Zurich Home Insurance automatically covers up to £600,000 rebuilding costs and up to £60,000 contents insurance.

The following website can help you to calculate your rebuild cost: abi.bcis.co.uk

What cover is available for my PC or laptop?

Your PC will be covered as standard for selected events as part of contents cover. Laptops are covered within the home up to £1,500, but not for accidental damage, even if extended accidental damage cover is selected.

If you want cover for accidental damage for laptops or notepads or wish to cover these items outside of your home, you will need to select personal possessions cover. Laptops and notepads over £1,500 in value will need to be specified on the policy.

If you want to know more about what's covered, just give us a call on 0844 571 0290.

 

What choices of home cover do you offer?

With Zurich, we offer buildings and/or contents cover. We also offer a range of optional extras such as personal possessions insurance, garden contents cover, legal expenses, personal accident cover, extended accidental damage cover and home emergency expenses.

What’s the difference between buildings and contents?
Where do carpets fit in?

In home insurance terms, buildings insurance covers the structure of your home, including fences, paths, outbuildings and so on; plus anything permanently fitted or soon to be fitted, like kitchen and bathroom units.

Contents insurance covers what’s in your home; your goods, furniture and valuables. Carpets are not part of the structure of your home, so they fall under your contents insurance.

Why do I need home insurance?

Your home and its contents are probably the most valuable possessions you own. Home insurance is there to help reassure you if something happens to them. If you have a mortgage it will almost certainly be a requirement of the mortgage lender to have insurance for your buildings.

Home contents insurance is your own choice and covers your belongings against events such as theft, fire and flood. Personal possessions insurance covers your belongings away from your home. Further information is contained in the policy booklet.

Can I cancel my home insurance policy?

You may cancel your home insurance policy at any time by telling us, either in writing, using the contact details set out in your covering letter, or by calling us on 0844 571 0290. Please refer to the policy booklet for more details on terms of cancellation, including applicable charges.

Can I claim for storm or flood damage?

Your buildings insurance will cover sudden and unexpected loss of or physical damage to the buildings caused by storm or flood, but not to fences, gates, hedges or railings.

Will my belongings be covered under home insurance outside the
home or when I go on holiday?

Yes, if you have taken out Zurich Personal Possessions cover, which is an optional extra. This insurance covers sudden and unexpected loss of or physical damage, anywhere in the world, to the specified and unspecified items shown in the personal possessions specification that are owned by you or your family.

Will my buildings insurance cover my outbuildings such as the
garage or shed?

Zurich Buildings insurance covers domestic outbuildings and private garages, including garages on nearby sites that form part of your home.

Can I insure my property if it is let to tenants?

Zurich Buildings and Contents cover are only available if the property is occupied solely by the policyholder and family.

What are the rules on my contents insurance if I want to work from home?

Zurich contents insurance includes cover for office equipment used for your business, profession or trade up to £5,000.

If your home is used for anything other than paperwork and telephone calls e.g. if you receive visits from clients/customers, employ staff or keep business related cash or stock at the property, then we are not able to offer insurance cover in these circumstances.

Can I insure a property that is not my permanent residence?

No. We can only insure your main home and you must be living there.

Can I insure my holiday home abroad?

Zurich Insurance is unable to offer cover for second homes or holiday homes.

Can I change my details in the middle of my policy term?

It's no problem to change your details (we call this a mid-term adjustment). You can inform us of changes online by logging into your customer account or by calling us on 0844 571 0290 where one of our team will be happy to help you. Please note that a £15 administration policy charge (includes insurance premium tax) will be incurred for making changes to your policy.

What happens if I wish to cancel my home insurance policy?

You may cancel your home insurance policy at any time by telling us, either in writing, using the contact details set out in your covering letter, or by calling us on 0844 571 0290.

If you have purchased any additional optional cover, under parts E – G, we will charge you on a pro rata basis for the time we have been on cover and the balance refunded to you.

Cancellation within 14 days
If the policy is cancelled within 14 days of you receiving it (or for renewals, within 14 days of your policy renewal date) a cancellation fee of £15 (including Insurance Premium Tax) will be charged.

If you have purchased any additional optional cover, under parts E – G, these will also be cancelled and we will charge you on a pro rata basis for the time we have been on cover and the balance refunded to you.

Cancellation over 14 days
We will deduct a £30 (including Insurance Premium Tax) cancellation fee from any refund if the policy is cancelled.

If you have purchased any additional optional cover, under parts E – G, these will also be cancelled and there will be no refund.

If you have purchased additional optional cover under parts E – G and you cancel this cover independently to parts A-D of your policy more than 14 days after receiving documents (including where you have added additional optional cover during the term of the policy) there will be no refund.

Here are the policy documents for our home insurance:

 Full policy document

Cover conditions and exclusions for this policy

Our quotes are valid for 30 days so if you've already got a quote you can retrieve it here and buy your insurance now.

 


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