Finding the right insurance to protect your home will be your top priority, because home is definitely where the heart is. Our feature rich home insurance, will bring you the reassurance that should you need to make a claim, you will have suitable cover in place. We can include buildings and/or contents cover, gardens and their contents, cover away from the home and more.

As an experienced insurance broker, we work with a carefully selected panel of insurers, to ensure we can find you a home insurance policy to meet your needs, based on the information you provide - whether that's over the phone with one of our dedicated friendly agents or through our online insurance quote service.

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Feature rich home insurance policies underwritten by leading insurers.

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We’re an experienced specialist insurance broker with 50 years behind us.

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Thanks to many happy customers we’re Feefo Platinum Trusted Service Award winners!

Key features of a typical home insurance

Buildings Contents Away From Home Insurance

Building, contents and away from home cover

Fire Flood Home Insurance

Fires, floods, theft and more covered

Alternative-accommodation-cover

Alternative accommodation cover

Valuable Possessions Insurance

Declare valuable possessions for specific cover

Specialist Bicycle Cover

Specialist bicycle cover on many policies

Garden Furniture Cover

Garden and outdoor items covered on most policies

Why choose Lifesure for home insurance?

We’ve been arranging home insurance for more than 35 years, so we know a thing or two about what should be in your policy.

Many of our customers tell us our home insurance offers everything they need, at a price that fits their budget and our excellent customer service being just what they were looking for. In fact, that’s why we received the Feefo Platinum Trusted Service Award.

Our award-winning team of agents are always happy to help and can be contacted on 01480 402 460 to provide a new quotation or assist with any changes to an existing policy. And we also offer MyLifesure, an online customer portal providing instant access to your policy details and documents. From here you can send us secure messages and update your details. It’s a convenient tool to get you to the information you need quickly.

Support with claims
If you should need to make a claim on your policy, our insurer partners have dedicated Claims Teams who are there to assist you throughout the claims process. We know that making a claim can be a stressful time, so if you need further support our Customer Care Champion is there to help, for additional peace of mind.

What does Lifesure’s home insurance cover?

Just see for yourself how we could protect your home with our handy summary below. Remember that no policy protects you against every scenario and it’s always best to read your policy documents to understand the conditions and exclusions that apply.

What's covered

  • Cover for fires, floods and theft, along with many other scenarios
  • Options for buildings, contents or both
  • Cover away from the home
  • Accidental damage cover
  • Alternative accommodation offered if you have to claim and cannot stay in your home
  • Declare your valuable possessions and make sure they are specifically insured
  • Most of our policies cover digital downloads
  • Gardens and their contents are covered with most of our policies
  • Keen cyclist? Talk to us. Many of our products offer bicycle cover options

What's not covered

  • Properties used for business purposes
  • Any gradual deterioration or maintenance
  • Your policy excess
  • Most of our policies will not cover undamaged items that are part of a set or suite
  • Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

  • Home emergency Up to £500 to pay for emergency repairs following certain incidents in your home
  • Home excess protection We will reimburse you for the excess on your home insurance policy following a claim on your vehicle/home insurance
  • Key cover Provides cover for the costs to repair or replace keys in the event of damage, theft or loss
  • Family legal Up to £50,000 for professional fees if you need to take legal action following certain insured events

Terms and conditions, limitations, exclusions and acceptance criteria applies. Policy enhancements are subject to an additional premium.

Full residential home policy information

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Home emergency insurance (renewal on/after 01.01.24)
PDF 450.15 KB
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Home excess reimbursement insurance (renewal on/after 01.01.24)
PDF 376.8 KB
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Key cover insurance (renewal on/after 01.01.24)
PDF 263.31 KB
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Family legal expenses insurance (renewal on/after 01.01.24)
PDF 207.73 KB

Insurance partners

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Flexible payment options

Car insurance needn’t be stressful. That’s why we help make payments simple with multiple payment options, such as instalments by direct debit, debit card, credit card, BACS, or bank transfer. You can also spread the cost to make payment more manageable. We work with Close Brothers Premium Finance to enable you to pay in regular instalments*.

Flexible payment dates, online account management, and credit agreement renewal can make it easier to purchase appropriate protection.

*We work with a third party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment. As part of your premium finance journey, Close Brothers will provide you with a commission disclosure detailing the commission we earn. You will have 12 days to review this information and provide your consent. If you decide not to consent to the commission amount, Close Brothers will be unable to process your loan, and you will need to arrange to pay the balance in full.

 

Ways to pay