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Home Insurance - what's covered?

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Not all Home Insurance is the same, so take a minute to look over the cover summaries below. When you’re ready, click the button to get a quote!

Churchill policies aren’t just about outstanding cover; they’re packed with really useful benefits too. Suppose there’s an emergency and you need to contact us in the early hours - you can talk to an experienced claims adviser at one of our UK call centres anytime, day or night.

 
 

Buildings Insurance cover

What's covered as standard Amount
(up to)
Buildings cover £250,000
Damage to fixed glass and sanitary fittings (e.g. bathroom sinks) £250,000
Property owners' liability £2,000,000
Alternative accommodation for you and your pets £37,500
Accidental damage to underground drains, pipes, cables and tanks £250,000


Contents Insurance cover

What's covered as standard Amount
(up to)
Contents cover £40,000
Accidental damage to home entertainment equipment £12,000
Contents lost or damaged while moving home £40,000
Christmas gifts cover £4,000
Wedding gifts cover £4,000
Alternative accommodation for you and your pets £8,000
Public liability £2,000,000
Business equipment £4,000
Contents temporarily taken out of the home (e.g. student accommodation) £4,000
Theft from garages or outbuildings £2,000
High risk items not listed separately on your policy e.g. jewellery, antiques £12,000
Replacement locks if your keys are stolen £500
Food in your freezer £300
Money in your home £300

 



Home Emergency Legal Protection

Disputes can occur anywhere in everyday life; with tradesmen working at your home or even as a result of a bad holiday experience. For just 6p a day, simply add this cover when you buy online to benefit from:

  • legal costs up to £50,000
  • cover for you and all your family who normally live with you
  • cover for employment, contract, property and inheritance disputes, personal injury, tax protection, legal defence as an employee and motoring prosecutions
  • cover for your salary while you attend jury service
  • cover for all legal costs whether you win or not
  • no excess to pay


Personal Possessions Cover

Protect your mobile phone, mp3 player, contents of the kids' school bags and more by adding Personal Possessions cover to your policy when you buy online. Take a look at some of what's covered:

  • money up to £300 and credit cards up to £600
  • accidental damage or loss and theft
  • your belongings anywhere in the British Isles
  • your belongings abroad for up to 60 days
  • possessions belonging to you and all your family who live with you (max. £1,500 per item)
  • a total of £2,500 (this can be increased if needed)


Accidental Damage

We all think it'll never happen to us but just imagine how you'd feel if:

  • you turn around for 5 seconds and the children have drawn on the walls
  • you're distracted and drop the hot iron on your carpet
  • you spill curry on your sofa

So protect your home and contents against those all too frequent accidents, from minor mishaps to major DIY catastrophes. Add cover to your policy when you buy online and look what you get:

  • protection against accidental damage caused by family or guests
  • accidental damage up to £250,000 for buildings
  • accidental damage up to £40,000 for contents


 



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