Clothes, carpet, lawnmower, laptop… Is it all covered?

Our handy contents calculator helps you find the right level of cover.


Cover your home, your contents or both

You invest a lot of time and money to get your home just right and it contains some of your most prized possessions, so it makes sense to protect your investment with the right home insurance. We understand that when you’re searching for home insurance, there’s so much information and it’s not always clear what it covers.

At Swinton, we use a specially selected and trusted panel of insurers and we’ll help to make things clearer and simpler with two product options for you to choose from: Classic and Premier.

Two great options for your home insurance


Provides a great level of cover that suits the needs of most homes.


Gives you all the Classic benefits plus additional cover for extra peace of mind.

Regardless of the option you choose, both options include:

Lock and key cover
Freezer contents cover
Garage and outbuildings cover

View core benefits at a glance

The table below shows benefits for combined home insurance cover
Please refer to policy wordings below for exact cover

Your key benefits at a glance

Classic Premier

New For Old Contents Cover:

Except household linen and clothing

Replacement Locks:

Cover if your keys to external doors and windows are lost or stolen

12 Month Guarantee:

On work carried out by insurer approved contractors

Downloaded/Digital Information:

Loss or damage covered up to the value of £2,500

Freezer Contents:

Alternative Accommodation - Buildings Cover:

If your home is unsafe to live in following an insured event

Up to £30,000 Up to £75,000

Alternative Accommodation - Contents Cover:

If your home is unsafe to live in following an insured event

Up to £10,000 Up to £20,000

Theft from outbuildings:

Covered for theft from sheds, greenhouses etc

Up to £2,500 Up to £5,000

Office Equipment:

Protects your office equipment in the home

Up to £5,000 Up to £10,000

Legal Protection:

Covered for up to £100,000 in the event of a claim

Matching Sets Cover:

If we can’t repair or replace a damaged item, you’ll get a new set

Student Accommodation:

Up to £5,000 to protect your family’s items at their student accommodation (subject to forcible or violent entry)


Up to £1,000 cover for your shopping while you’re taking it home

Additional Cover Options

Classic Premier

Legal Protection:

Covered for up to £100,000 in the event of a claim

Optional Included

Home Emergency Cover:

Providing help for a wide range of emergencies that can occur at home.

Optional Optional

Accidental Damage:

Gives you cover against mishaps at the home, including damage to your tablets, laptops and mobile phones.

Optional Optional

Personal Possessions:

Cover for theft, loss or damage to your valuables and gadgets wherever you are in the world.

Optional Optional

Policy Documents

Classic  Premier

For policies starting from the 13th December 2017:

Policy Summary (pdf - 83kb)

Policy Wording (pdf - 697kb)

For policies starting from the 13th December 2017:

Policy Summary (pdf - 87kb)

Policy Wording (pdf - 702kb)

Get a quote your way. Call us, buy online or pop in


Why choose us for your home insurance?

  • We’ll compare quotes from our specially selected panel of insurers to give you the lowest price we get back.
  • We're here to answer any questions - visit your nearest branch or speak to us over the phone.
  • You can tailor your insurance with optional additional cover to suit your personal needs.
  • We have an online insurance hub where your documents will be stored and you’ll be able to make changes to your policy.

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.

How customers rate our home insurance

Swinton customers who have purchased home insurance, would rate us 4.6/5 (this score has been based on 216 Feefo respondents - from February 2017 to January 2018). Read our reviews


Watch our quick guide to Home Emergency Cover


Home insurance - useful information


What else do I need to know about Home Insurance?

Swinton understands that your house is much more than just a place to live – it’s a home that’s full of memories, and we know that you’ll want to make sure that your investment and belongings are protected with the right Home Insurance policy.

We offer various types of Home Insurance cover here at Swinton, including Buildings Insurance, Contents Insurance, combined Buildings and Contents Insurance, plus additional options such as Home Emergency Cover.

Below, we go into more detail about the different Home Insurance options available…

What type of Home Insurance do I need?

Buildings Insurance

You may want to protect the physical structure of your home against things like fire, theft, flood, storms and falling trees with Buildings Insurance. The cost of repairing or rebuilding the structure following one of these incidents will be covered – this includes the roof, walls and windows, as well as other permanent fixtures, such as your kitchen units. You’ll also be covered for accidental damage to underground pipes and cables.

In terms of how much cover you need, this is based on how much it’d cost for your home to be rebuilt, rather than its market value. You can calculate the rebuild cost here.

While not a legal requirement, if you have a mortgage it is usually a requirement from your mortgage provider that you have Buildings Insurance, so it’s worth checking with them.

Contents Insurance

You may want to protect your possessions with a Contents Insurance policy. ‘Contents’ generally refers to items that are not part of your home’s structure, i.e. furniture, electricals, clothing etc.

It’s worth noting that there are some limitations with Contents Insurance policies, such as single item value limit – this is the highest amount an insurer will pay out for a single item, and at Swinton this limit is £2,000. 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 wording carefully.

Research has actually shown that one in four UK households could be underinsured. Plus, the Association of British Insurers estimates that an average family home with three bedrooms has contents worth £55,000 – with this in mind, can you really afford to not have Contents Insurance?

Our handy Home Insurance Contents Calculator will help you estimate just how much your home’s contents are worth in three simple steps. Remember to include your personal possessions and any valuable items – you may be surprised at the total amount!

What’s the difference between Buildings and Contents Insurance?

To recap, Buildings Insurance will cover the cost of repairs or rebuilding for your home’s physical structure, while Contents Insurance will protect your home’s contents against loss or damage. A combined Buildings and Contents Insurance policy will cover both.

Are there any additional options I can add to my Home Insurance policy?

Accidental Damage

You can choose to add Accidental Damage to your Contents Insurance policy, which offers protection against mishaps at home, including damage to your tablets, laptops and mobile phones.  

Personal Possessions

If you choose our Personal Possessions cover, your valuables and gadgets will be protected against loss or damage, wherever you are in the world.

Home Legal Protection

Home Legal Protection, provided by UK General Insurance Limited on behalf of Great Lakes Reinsurance UK (SE), can be added to a Classic Home Insurance Policy, but comes as standard with a Premier Home Insurance policy.

Home Legal Protection 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 property, or disputes when buying/selling your home.

Read more about Home Legal Protection.

Home Emergency Cover

Home Emergency Cover, provided by Inter Partner Assistance SA, helps protect against a wide range of emergencies that can occur in your home, for example your heating cutting out, or your toilet flooding.

If you decide to purchase Home Emergency Cover in addition to your standard Home Insurance policy, you’ll be covered up to £500 (inc VAT), giving you that extra peace of mind should an emergency occur.

Find out more about Home Emergency Cover.

What types of homes are covered?

We can cater for different property types, including high-value properties , listed buildings , non-standard builds , timber frame properties and second/holiday homes.

Additionally, we can offer Home Insurance policies for homes that are at risk of flooding and subsidence , as well as cover for homes that have been unoccupied for more than 60 consecutive days, due to renovation work or job commitments.

What if I am a landlord?

We also offer Home Insurance cover for landlords, and our dedicated team understands that your requirements and circumstances are different, and they will work hard to ensure your needs are met.

Read more about Landlord Insurance.


Call us now on: 0800 072 3768 or get a quote online