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How is Home Essentials different to Home Insurance and Home Insurance Plus? Let's have a look...

Not all homes are the same. So why should your policy be?

Here at Churchill we offer three types of cover: Home Essentials, Home Insurance and Home Plus. There are a number of optional extras you can add to your policy, such as cover for accidental damage and personal possessions. These are all included with Home Plus.

Compare cover limits

Get to know what's included before you choose your cover.

Essentials Home Home Plus
Buildings sum insured
More about buildings sum insured

This is the rebuild cost for your home. It's different from your home's market value or council tax band, as those include the value of the land.

If something happens to your home and the structure needs to be rebuilt, your buildings sum insured is is the upper limit of what you can claim.

It covers permanent fixtures and fittings both outside and inside, including kitchen units, patios, garden walls, gates, fences and outbuildings.

Get an idea of how much you might need using the rebuild cost calculator from the Building Cost Information Service (BCIS).

Full details are in your policy document.

Up to £500,000 Up to £1 million Unlimited
Contents sum insured
More about contents sum insured

If something happens to your contents and they need to be replaced, this is the upper limit of what you can claim.

This might be an appliance or an antique, a bed or a bicycle. Whatever the type of thing, if it's part of your home contents (but not your car or something of your landlord's), this is the sum that covers it.

Full details are in your policy document.

Up to £50,000 Up to £175,000 Up to £175,000
Trace and access (buildings)
More about trace and access

If a water leak or oil leak is causing damage and part of your building needs removing to get to the source of the leak, we'll cover the cost. That means both the removal, and the cost of getting things back to normal.

We won't cover the thing that's leaking, such as a tank, pipe, appliance or heating system.

Full details are in your policy document.

Up to £2,500 Up to £5,000 Up to £10,000
Theft from outbuildings (contents)
More about theft from outbuildings

For any garage or other outbuilding that's part of your home, if something is stolen (or damaged during a theft), we'll cover the cost.

Full details are in your policy document.

Up to £2,500 Up to £5,000
Personal possessions
More about personal possessions

You can add cover for items that you normally wear or carry when you're out and about.

This means items worth £2,000 or less each, such as phones, watches, glasses and sports equipment.

For Home and Home Plus customers, the cover includes up to 60 days abroad in any one policy year.

Full details are in your policy document.

Optional
£2,000 single item limit
(UK only)
Optional
£2,000 single item limit
(UK & 60 days Worldwide)
Included
£4,000 single item limit
(UK & 60 days Worldwide)
Alternative accommodation for you and your pets
More about alternative accommodation

If we've accepted a claim, and the repairs mean you can't stay at home, talk to us about your plans for somewhere else to stay. Once we've agreed the costs with you, we'll cover where you're staying and kennel fees for any pets, as well as lost rent.

The same applies if your home is occupied by squatters.

Full details are in your policy document.

Buildings up to £25,000
Contents up to £15,000
Buildings up to £25,000
Contents up to £15,000
Buildings up to £50,000
Contents up to £30,000
Matching sets and suites
More about matching sets and suites

For bathroom suites or fitted kitchens, if you've got a set or a suite of which one part is damaged beyond repair, we'll aim to replace that part.

For bathroom suites or fitted kitchens, if you've got a set or a suite of which one part is damaged beyond repair, we'll aim to replace that part.

Full details are in your policy document.

Included
Accidental Damage (buildings)
More about Accidental Damage (buildings)

This covers things that happen to your buildings suddenly, unexpectedly and unintentionally. It's not for general wear and tear, or things that just break down. Details are in your policy document.

Buildings examples include:

  • A football accidentally breaking your window
  • Damage caused by an overflowing sink or bath

Full details are in your policy document.

Optional Optional Included
Accidental Damage (contents)
More about Accidental Damage (contents)

This covers things that happen to your contents suddenly, unexpectedly and unintentionally. It's not for general wear and tear, or things that just break down.

Contents examples include:

  • Spilling wine on your carpet
  • Furniture damaged while you're moving home

Full details are in your policy document.

Optional Optional Included
Family Legal Protection
More about Family Legal Protection

Get cover for legal costs if there's a greater than 50% chance of success. With 24/7 access to legal assistance.

Examples include:

  • Personal injury and clinical negligence
  • Employment and contract disputes

Full details are in your policy document.

Optional Optional Included
Home Emergency cover
More about Home Emergency cover

New parts, labour and callout charges are all included for emergency repairs up to £500 per callout.

Examples include:

  • Boiler, electricity supply or water supply failure
  • External lock damage or failure

Full details are in your policy document.

Optional Optional Included

pdf iconFor full details, see our policy document (pdf)