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

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


Home Insurance you can trust

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.

And with Home Insurance from £121 a year, and a Feefo Gold Trusted Service award, we’ll help you turn Nagging Doubt into nothing-to-worry about.

Swinton offers three simple levels of Home Insurance cover


Covers you for the basics.


A great level of cover to suit most homes, with all the benefits of Essentials, plus more.


Extra features and higher limits over and above our Classic cover for added peace of mind.

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

Key benefits

Essentials Classic Premier


(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


Freezer contents


Theft from outbuildings

£2,500 £5,000

£2,500 cover for downloaded audio/visual files

Office equipment cover in the home

£5,000 £10,000

Garden cover

£1,000 £2,500

£5,000 student cover

Matching sets cover

£100,000 legal protection

Optional Optional

Accidental damage

Optional Optional Optional

Personal possessions

(cover your valuables and gadgets wherever you are in the world)

Optional Optional Optional

Maximum limits shown. Other features, benefits and limitations exist, please contact us for details.


Policy Documents

Essentials Classic  Premier

For policies starting from the 25th September 2018:

Policy Wording (pdf - 948kb)

For policies starting from the 13th December 2017:

Policy Wording (pdf - 697kb)

For policies starting from the 13th December 2017:

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 £121 a year.

10% of all new customers paid £121 or less annually for combined buildings and contents insurance, 1st May 2018 to 31st October 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 4.7/5 (this score has been based on 226 Feefo respondents - from July 2017 to June 2018). Read our reviews

How much is your Home Insurance costing you?

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 £121 or less for combined Buildings and Contents Insurance annually, from 1st May 2018 to 31st October 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 type of Home Insurance do you need?

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.

Buildings Insurance

If the physical structure of your home is damaged or destroyed by an unfortunate event, such as a fire, flood, storm or theft, Buildings Insurance will ensure the cost of fixing it is covered.

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.

Contents Insurance

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?

We can offer insurance 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 unoccupied homes.

Optional cover for Home Insurance policies

Accidental Damage

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.

Personal Possessions

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

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

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.


Home insurance - useful information


Watch our quick guide to Home Emergency Cover


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