Protect Your Home & Everything In It
Comprehensive home insurance that protects your property and possessions. New for old replacement, 24/7 emergency support, and competitive prices.
Choose Your Cover Level
Flexible options to suit homeowners and renters
Buildings & Contents
Complete protection for your home and belongings
From £350/year
- Rebuild cost cover for your home
- Contents cover up to £75,000
- Accidental damage included
- Alternative accommodation if you can't live at home
- Garden cover up to £2,500
- Legal expenses up to £100,000
- Home emergency cover
- Personal possessions away from home
Buildings Only
Protect the structure of your property
From £200/year
- Rebuild cost cover
- Subsidence and ground movement
- Flood and storm damage
- Fire and explosion cover
- Theft and vandalism
- Alternative accommodation
- Legal expenses included
Contents Only
Perfect for renters and tenants
From £150/year
- Contents cover up to £50,000
- Accidental damage option
- Personal possessions away from home
- Tenant's liability
- Theft and vandalism
- Fire and flood damage
- Freezer contents cover
Why Choose SwiftPolicy Home Insurance?
Benefits that come standard with every policy
New for Old Replacement
We replace damaged or stolen items with brand new equivalents, not second-hand or depreciated values.
24/7 Emergency Helpline
Our emergency team is available around the clock for urgent issues like burst pipes or break-ins.
Alternative Accommodation
If your home becomes uninhabitable, we'll cover the cost of temporary accommodation.
Flood Cover Included
Protection against flood damage is included as standard in all our home insurance policies.
Fire & Smoke Damage
Full cover for damage caused by fire, smoke, and explosion to your property and contents.
Theft Protection
Cover for theft and attempted theft, including damage caused during a break-in.
What's Covered
Comprehensive protection for your home
Frequently Asked Questions
Everything you need to know about our home insurance
What's the difference between buildings and contents insurance?
Buildings insurance covers the structure of your home (walls, roof, floors, fitted kitchens). Contents insurance covers your belongings inside (furniture, electronics, clothes).
How do I work out my rebuild cost?
The rebuild cost is different from your home's market value. We recommend using the BCIS calculator or asking a surveyor. This is the cost to rebuild your home if it was destroyed.
Are my valuables covered?
Yes, but items over £1,500 in value should be listed separately on your policy. This includes jewellery, watches, art, and collectibles.
Does home insurance cover accidental damage?
Accidental damage cover is included in our Buildings & Contents policy, or can be added to other policies for an additional premium.
Am I covered if I work from home?
Standard policies cover home office equipment for normal office work. If you run a business from home, you may need additional cover.
What's not covered by home insurance?
General wear and tear, mechanical breakdown, pest damage, and damage from lack of maintenance are typically excluded. Check your policy for full details.
Protect What Matters Most
Get your personalised home insurance quote in minutes.