Home Insurance

Combined buildings and contents insurance from £121 per year*

*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.

Seven great reasons to choose Swinton for your Home Insurance

  • We offer three levels of combined buildings and contents Home Insurance cover to suit your individual needs.
  • You can also choose to take out separate buildings and contents insurance policies.
  • Tailor your Home Insurance policy. Accidental Damage cover can be added as an extra level of insurance to your buildings and contents insurance policy.
  • Home Legal Expenses comes as standard with our Premier Home Insurance and can be added to a Classic and Essentials Home Insurance policy.
  • You can choose to purchase Home Emergency Cover in addition to your standard Home Insurance policy. Read more about Home Emergency Cover.
  • Our experienced team are here to answer any questions – speak to us here on Live Chat, visit your nearest branch or contact us over the phone.
  • Access your documents online and make changes or renew your policy using My Account.

Additionally, we can offer Home Insurance policies for homes that are at risk of flooding and subsidence, as well as cover for unoccupied homes

We also offer insurance for different property types, including high-value properties, listed buildings, non-standard builds, timber frame properties and second/holiday homes. If you have got any such specialist needs, please speak to one of our friendly team by phone.

Buy online, call us or pop in

Swinton offers three levels of Home Insurance cover

Essentials


Covers you for the basics

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Alternative accomodation

Alternative accommodation

Freezer contents

Freezer contents

Replacement locks & loss of keys

Replacement locks & loss of keys

Classic

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

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Theft from outbuildings

Theft from outbuildings

10% cover increase on special occasions

10% cover increase on special occasions

Cover against damage or theft of garden items

Cover against damage or theft of garden items

Premier

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

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Legal protection

Legal protection

Matching sets cover

Matching sets cover

Student Cover

Student 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

Key benefits

Essentials Classic Premier

Buildings

(Choose a limit to suit your needs)

£500,000 to Unlimited £500,000 to Unlimited £500,000 to Unlimited

Contents

(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

(Buildings)

Up to £30,000 Up to £30,000 Up to £75,000

Alternative accommodation cover

(Contents)

Up to £10,000 Up to £10,000 Up to £20,000

Lost or stolen keys

£500

Freezer contents

£250

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 - 860kb)

For policies starting from the 13th December 2017:

Policy Wording (pdf - 2.7mb)

For policies starting from the 13th December 2017:

Policy Wording (pdf - 2.7mb)

 
 

Home Insurance Frequently Asked Questions

Searching for Home Insurance can be a difficult task and it’s important to get the right type of cover, giving you the peace of mind that your home and possessions are protected.

That’s why we’ve put together a list of commonly-asked questions, to help you to get to the bottom of the jargon and pick the cover that suits you.

What does Home Insurance cover?

There are two types of Home Insurance policies: buildings insurance and contents insurance.

  • Buildings insurance covers the cost of repairing or rebuilding the actual structure of your home – You'll need this if you own your own home. Read more about buildings insurance
  • Contents insurance will protect your home's contents from loss or damage – ideal if you rent your accommodation. To find out more visit our dedicated contents insurance page
  • A combined buildings and contents insurance policy will cover both.

If you rent, do you need 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. For more information visit our dedicated contents insurance page

What is 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. Read more on our Home Emergency Cover page.

What is Home Legal Expenses cover?

Home Legal Expenses comes as standard with our Premier Home Insurance and can be added to a Classic and Essentials 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 or selling your home.

Home Legal Expenses is provided by UK General Insurance Limited on behalf of Great Lakes Insurance UK (SE). Read more about our legal protection cover.

 

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