Churchill will be on hand to cover the things that matter most in your home. With our Home Essentials policy you're covered for loss or damage from fire, theft, storm and escape of water. Compared to our other cover levels, you'll get lower limits and will pay more towards any claims.
Buildings insurance
| Covered as standard | Maximum value |
|---|---|
| Buildings sum insured | £500,000 |
| Tracing and accessing of leaks in the house | £2,500 |
| Property owner's liability | £1 million |
| Replacement locks if your outside door keys are lost or stolen | £1,000 |
| Alternative accommodation during repairs, for you and your pets (if your property is uninhabitable) | £25,000 (£40,000 if you have buildings and contents insurance) |
Contents insurance
| Covered as standard | Maximum value |
|---|---|
| Contents sum insured | £50,000 |
| Replacement locks if your outside door keys are lost or stolen | £1,000 |
| Contents temporarily taken out of the home | Not included |
| Alternative accommodation during repairs, for you and your pets (if your property is uninhabitable) | £15,000 (£40,000 if you have buildings and contents insurance) |
| Personal liability | £2 million |
| Employer's liability | Not included |
| Garden cover for contents in the garden, plants and landscaping | Not included |
Take a look at our optional extras
Personal Possessions cover
With Home Essentials you can cover your personal items outside the home e.g. mobile, laptop and jewellery. You can choose the amount of cover you need starting from £1,000. This also includes:
- Cover in the UK only
- Limit for each individual item of £2,000
- Bicycles up to £500 per cycle
- £500 for lost or stolen money
Need more cover? Don't worry as you can specify individual items worth more than £2,000 or bicycles worth more than £500.
Accidental Damage cover
For an additional premium you can also add Accidental Damage cover to your policy. This covers 'whoops' moments like:
- Dropping a pan on a glass cooker top (Buildings cover)
- Spilling red wine on your sofa (Contents cover)
- Football being kicked through a window (Buildings cover)
- Dropping a laptop while carrying it to another room (Contents cover)
You might be surprised how often these happen!
Family Legal Protection
Our 24-hour legal helpline will provide you and your family with access to expert assistance for any legal questions you may have.
You're also covered for legal costs up to £100,000 (provided there is over a 50% chance of success).
Home Emergency cover
Central heating failed? Power supply not working? Front door key snapped in the lock? Add our Home Emergency cover to your policy and get up to £500 for each
call-out for emergency assistance.