Home Insurance

Build your Home Insurance to suit you. Add a handy optional extra to your policy at any time.

Protect your home from loss or damage. Get a direct quote on Home Insurance from Swinton today to find the best deal for you.

What is Home Insurance?

Home Insurance is a type of insurance that helps to protect your property and your possessions. There are different policies available for a range of circumstances like theft or fire damage, ensuring that your home and belongings are always covered.

What types of Home Insurance are there?

A home insurance policy will fall into one of three categories:

Great reasons to choose Swinton for your Home Insurance

We compare Home Insurance quotes from our specially-selected panel of insurers to give you the lowest price we get back. Choose from three levels of combined buildings and contents Home Insurance cover plus add on additional cover to suit your individual needs.

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 our Classic and Essentials Home Insurance policy.
  • You can choose to purchase Home Emergency Cover in addition to your standard Home Insurance policy. You can read more about Home Emergency Cover here
  • Our experienced team are here to answer any questions – speak to us on Live Chat or over the phone.
  • Access your documents online and make changes or renew your policy using My Account.
  • You can also choose to take out separate buildings and contents insurance policies.
  • Combined buildings and contents insurance from £107 per year. At Swinton, 10% of new customers paid £107 or less for combined buildings and contents insurance annually, from 1st October 2019 to 31st March 2020.

Buy online today

 

Online quote

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

Additionally, we can offer Home Insurance policies for homes that are at risk of flooding 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.

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

EssentialsClassicPremier

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 £30,000Up to £30,000Up to £75,000

Alternative accommodation cover

(Contents)

Up to £10,000Up 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

OptionalOptional 

Accidental damage

OptionalOptionalOptional

Personal possessions

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

OptionalOptionalOptional

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

 

Policy documents

For policies effective BEFORE the 2nd December 2019

Essentials
Policy Wording (PDF - 860KB)
Classic
Policy Wording (PDF - 2.7MB)
Premier
Policy Wording (PDF - 2.7MB)
 

For policies effective AFTER the 2nd December 2019

Essentials
Policy Wording (PDF - 667KB)
Classic
Policy Wording(PDF - 686KB)
Premier
Policy Wording(PDF - 698KB)


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 may want 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 for both homeowners and tenants. 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 per claim, 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 Allianz Insurance plc. Read more about our legal protection cover.

Home insurance to suit your needs