At Swinton, we understand that you spend a lot of time and money getting your home just right. After all, your home contains some of your most-prized possessions, so it makes sense to protect your investment with the right Home Insurance.
When searching for Home Insurance, we know just how much information there is to take in, and it's not always clear what's covered.
You know how it goes – you find a good price and then Nagging Doubt appears. Have I chosen the right policy? Am I underinsured? With our panel of specially-selected and trusted insurers, we'll help make things clearer and simpler with three product options for you to choose from, Essentials, Classic and Premier.
The table below shows benefits for combined home insurance cover
Please refer to policy wordings below for exact cover
(Choose a limit to suit your needs)
|£500,000 to Unlimited||£500,000 to Unlimited||£500,000 to Unlimited|
(Choose a limit to suit your needs)
|£50,000 to £150,000||£50,000 to £150,000||£50,000 to £150,000|
Alternative accommodation cover
|Up to £30,000||Up to £30,000||Up to £75,000|
Alternative accommodation cover
|Up to £10,000||Up to £10,000||Up to £20,000|
Lost or stolen keys
Theft from outbuildings
£2,500 cover for downloaded audio/visual files
Office equipment cover in the home
£5,000 student cover
Matching sets cover
£100,000 legal protection
(cover your valuables and gadgets wherever you are in the world)
Maximum limits shown. Other features, benefits and limitations exist, please contact us for details.
How much is your home insurance costing you?
We'll cover all that matters from £109 a year.
10% of all new customers paid £109 or less annually for combined buildings and contents insurance, 1st November 2017 to 30th April 2018. Excludes optional extras. Premiums are based on individual circumstances.
While you can't put a price on that feeling of reassurance you get when you know your home and belongings are protected, how much should you expect to pay for your Home Insurance?
At Swinton, 10% of new customers paid £109 or less for combined Buildings and Contents Insurance annually, from 1st November 2017 to 30th April 2018.
Remember that all insurance premiums are based on individual circumstances, and this price excludes optional extras that can be purchased separately, but why not get in touch and see what we can do for you?
What's the difference between Buildings and Contents Insurance?
The cost of repairing or rebuilding the actual structure of your home is covered by Buildings Insurance, while Contents Insurance will protect your home's contents from loss or damage. A combined Buildings and Contents Insurance policy will cover both.
What about your walls, windows and roof? Swinton's Buildings Insurance will also cover these, as well as any permanent fixtures in your home, such as kitchen units. You'll also be protected against accidental damage to underground pipes and cables.
How much cover do you need for Buildings Insurance? This depends on how much it'd cost for your home to be rebuilt, rather than its market value. If you've recently bought a house, your survey will list the rebuild cost. Alternatively, you can calculate it yourself here.
Also, while Buildings Insurance isn't a legal requirement, if you have a mortgage then your mortgage provider will usually require you to purchase a Buildings Insurance policy, so make sure you check with them.
Common examples of Buildings Insurance claims include damage to the roof following a storm, or damage to doors and windows due to a burglary.
While Buildings Insurance protects your home's structure and exterior, Contents Insurance covers the cost of repairing or replacing your possessions if they're damaged or stolen.
Examples of ‘contents’ include furniture, clothing and electricals, and the total amount everything adds up to is often surprising!
In fact, research has shown that one in four UK households could be underinsured, and the Association of British Insurers estimates that an average UK household has contents worth £35,000.
Our handy Home Insurance Contents Calculator will help you evaluate just how much your belongings are worth in three simple steps – don’t forget to include your personal possessions and any valuable items!
On the subject of valuables, at Swinton your valuables are covered up to £2,000 per item, pair or set. If any of your valuables are worth more than £2,000, you will need to tell us what they are and whether or not you take them out of the home.
There is normally also a limit on the overall total value of your contents, so make sure that you check your Home Insurance policy documents carefully.
Typical examples of Contents Insurance claims include escape of water, for instance if your washing machine leaks, and theft.
If you rent your home, can you just buy Contents Insurance?
Your landlord is obliged to have Buildings Insurance – if you rent your home, you just need to ensure your belongings are covered with Contents Insurance.
What if you’re a landlord?
We offer Landlord Insurance for landlords. Our dedicated team understands that your requirements and circumstances are different, and they will work hard to ensure your needs are met.
What types of homes are covered?
Accidental damage offers protection against mishaps at home.
You can choose to add Accidental Damage to your Buildings Insurance policy to be covered for things like DIY accidents, such as drilling a hole through a pipe.
You can also add Accidental Damage to your Contents Insurance to be covered for things like accidental damage to your tablets laptops and mobile phones.
If you choose our Personal Possessions cover, your valuables and gadgets that you take away from home will be protected against loss or damage, wherever you are in the world.
Home Legal Expenses comes as standard with our Premier Home Insurance and can be added to an Essentials or Classic Home Insurance policy.
Home Legal Expenses covers up to £100,000 of legal expenses, should you have to take legal action for incidents such as somebody causing physical damage to your personal property, or disputes when buying/selling your home.
Home Legal Expenses is provided by UK General Insurance Limited on behalf of Great Lakes Insurance UK (SE)
Home Emergency Cover, helps protect against a wide range of emergencies that can occur in your home, for example if your heating cuts out, or if your toilet floods.
If you decide to purchase Home Emergency Cover in addition to your standard Home Insurance policy, you'll be covered up to £500, giving you that extra peace of mind should an emergency occur.
Home Emergency Cover is underwritten by Inter Partner SA UK Branch Assistance, which is fully owned by AXA Assistance Group.