Choosing the right home insurance is simple. We have two levels of cover, you just need to pick. Will it be Essential or Enhanced?
Must be a UK resident and aged over 18 to apply.
What is home insurance?
If you own your home, combining buildings and contents insurance can be a good option. You’ll just have the one policy, making managing it that little bit simpler.
Building insurance covers the bricks, mortar, fixtures, and fittings of your home. It covers you from things like fire, theft, or storms that damage the structure of your home or any of its permanent fixtures. For example, if a storm blows the tiles off your roof, or a burst pipe in your living room. Buildings insurance can help pay to fix the problem.
Contents insurance covers the things in your home such as carpets and computers. It protects your belongings while they're in your house against being damaged or destroyed because of things like fire and theft. Our contents insurance also covers money, valuables, home office equipment, and even the food in your freezer.
- Building and Contents insurance
- Building insurance
- Contents insurance
Essential |
Enhanced |
|
---|---|---|
Buildings sum insured Maximum pay-out to rebuild or repair the main structure of your home for things such as fire, flood, or theft. Eligibility criteria applies |
Up to £1,000,000 |
Unlimited Unlimited means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. |
Contents sum insured Maximum payout for damage to your possessions in your home. Eligibility criteria applies. |
Up to £100,000 | Unlimited Unlimited means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. |
Building accidental damage Covers accidental damage to underground pipes and cables as well as damage caused by things like putting your foot through the ceiling, or leaving a hot pan on a kitchen worktop. |
Optional | Included |
Contents accidental damage Accidents like spilling a drink on your sofa or burning your carpet with the iron. |
Optional | Included |
Alternative accommodation Accommodation for you and your pets if damage renders your home uninhabitable. |
Up to £100,000 |
Up to £200,000 |
Matching ItemsIf the item is part of a set and we can’t find an identical replacement, we’ll replace the whole set. |
Not Included | Included |
Valuables (based on your selection) Jewellery, watches, items of gold, silver or other precious metals; works of art (paintings, etchings, tapestries, statues, sculptures), stamp, coin, and medal collections. |
£5,000 - £15,000 |
£10,000 - £30,000 |
Contents in the garden Theft from garden (in the open). |
Not included | Up to £3,000 |
Trace and access For replacing any part of the building removed to reach escaping water or oil. |
Up to £2,500 | Up to £5,000 |
Blockage of sewage pipe |
Optional | Included |
Get a quote |
Must be a UK resident and aged over 18 to apply |
Must be a UK resident and aged over 18 to apply |
Excess
The excess is the amount of money you have to pay to make a claim on your policy. Check if it is worthwhile making a claim as the excess might exceed the value of the claim.
Essential |
Enhanced |
|
---|---|---|
Buildings & contents minimum excess |
£100 | £100 |
Escape of water excess This excess applies when you have a claim caused by an escape of water, such as a leak or burst pipe. |
£500 + voluntary excess |
£500 + voluntary excess |
Essential |
Enhanced |
|
---|---|---|
Buildings sum insured Maximum pay-out to rebuild or repair the main structure of your home for things such as fire, flood, or theft. Eligibility criteria applies |
Up to £1,000,000 |
Unlimited Unlimited means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. |
Building accidental damage Covers accidental damage to underground pipes and cables as well as damage caused by things like putting your foot through the ceiling, or leaving a hot pan on a kitchen worktop. |
Optional | Included |
Alternative accommodation Accommodation for you and your pets if damage renders your home uninhabitable. |
Up to £100,000 |
Up to £200,000 |
Matching Items If the item is part of a set and we can’t find an identical replacement, we’ll replace the whole set. |
Not Included | Included |
Trace and access For replacing any part of the building removed to reach escaping water or oil. |
Up to £2,500 | Up to £5,000 |
Blockage of sewage pipe |
Optional | Included |
Get a quote |
Must be a UK resident and aged over 18 to apply |
Must be a UK resident and aged over 18 to apply |
Excess
The excess is the amount of money you have to pay to make a claim on your policy. Check if it is worthwhile making a claim as the excess might exceed the value of the claim.
Essential |
Enhanced |
|
---|---|---|
Buildings & contents minimum excess |
£100 | £100 |
Escape of water excess This excess applies when you have a claim caused by an escape of water, such as a leak or burst pipe. |
£500 + voluntary excess |
£500 + voluntary excess |
Essential |
Enhanced |
|
---|---|---|
Contents sum insured Maximum payout for damage to your possessions in your home. Eligibility criteria applies. |
Up to £100,000 | Unlimited Unlimited means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. |
Contents accidental damage Accidents like spilling a drink on your sofa or burning your carpet with the iron. |
Optional | Included |
Alternative accommodation Accommodation for you and your pets if damage renders your home uninhabitable. |
Up to £25,000 |
Up to £50,000 |
Matching Items If the item is part of a set and we can’t find an identical replacement, we’ll replace the whole set. |
Not Included | Included |
Valuables (based on your selection) Jewellery, watches, items of gold, silver or other precious metals; works of art (paintings, etchings, tapestries, statues, sculptures), stamp, coin, and medal collections. |
£5,000 - £15,000 |
£10,000 - £30,000 |
Contents in the garden Theft from garden (in the open). |
Not included | Up to £3,000 |
Theft from outbuildings This covers the contents in outbuildings e.g. garden shed or garage. |
Up to £1,450 | Up to £5,000 |
Get a quote |
Must be a UK resident and aged over 18 to apply |
Must be a UK resident and aged over 18 to apply |
Excess
The excess is the amount of money you have to pay to make a claim on your policy. Check if it is worthwhile making a claim as the excess might exceed the value of the claim.
Essential |
Enhanced |
|
---|---|---|
Buildings & contents minimum excess |
£100 | £100 |
Escape of water excess This excess applies when you have a claim caused by an escape of water, such as a leak or burst pipe. |
£500 + voluntary excess |
£500 + voluntary excess |
What’s covered?
- Damage to your property and/or belongings such as by fire or theft.
- Loss of rent or somewhere to stay if your property is unable to be lived in as a result of a claim.
- Vandalism or malicious damage caused by tenants or guests.
- Water damage to your property and/or belongings caused by a burst pipe. Any work needed to find the leak is also covered under building insurance.
What’s not covered?
- Electrical or mechanical breakdowns - like a television not working due to a mechanical fault.
- Gradual deterioration or wear and tear - like carpets wearing out over time. Wet rot, dry rot, or frost damage.
- Theft and certain types of damage if your property has been left unoccupied for more than 60 consecutive days.
- Claims because something’s faulty or built badly to start with - like a bath leaking because it was poorly installed.
Policy terms and conditions, other cover limits, restrictions and exclusions apply. Please refer to our important documents below.
How it works
1. Get a personalised quote
2. Choose your cover
3. You’re protected
Important documents
Get a quote
You can get a quote online
We have two levels of cover - Essential and Enhanced insurance.
Get a quote
Retrieve your existing Essential or Enhanced quotes
Compare our products
View documents
We can’t give you any recommendations or advice about home insurance, it’s up to you to choose what you think best suits your needs.
Get in touch
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Use the chat service to talk to us about your insurance quote.
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We’re on the phones 8am to 8pm Monday to Friday, 8am to 6pm Saturdays, and 10am to 4pm on Sundays and Bank Holidays.
Visit us in branch
If you’d rather talk to us in person, then book an appointment at your local branch.
Money worries
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Important Information
Terms, conditions, and policy exclusions apply.
TSB Essential and Enhanced home insurance is brought to you by TSB Bank plc and underwritten by Aviva Insurance Limited. Applications must be UK residents & aged 18+. Aviva Insurance Limited Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Life insurance, decreasing life insurance, critical illness cover and over 50s fixed life Insurance are introduced by TSB Bank plc but are provided by Legal & General Assurance Society Limited. Legal & General Assurance Society Limited is registered in England and Wales No. 166055. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 117659. Legal & General Partnership Services Limited is registered in England and Wales number 5045000. Registered office: One Coleman Street, London, EC2R 5AA. Legal & General Partnership Services Limited is authorised and regulated by the Financial Conduct Authority under number 300792.
You can check the FCA register or call the FCA on 0800 111 6768.