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Covert starts at £19 a month*. Tiny the elephant in a cardboard castle.

Home insurance

Protect your happy place at an affordable price with buildings and contents cover starting at just £19 a month.*

*Based on what 10% of customers paid for their Essentials buildings and contents Insurance policies excluding add-ons, sold between 1 July-31 Dec 2024. Must be a UK resident and aged over 18 to apply.

Why choose home insurance with TSB?

Get a quick quote

Get a home insurance quote online in minutes. We have two levels of home insurance cover, so you can pick what's right for you.

No additional fees

We don’t have additional fees for paying monthly or making changes to your home insurance policy.

Insurance to suit your needs

Whether you’re after buildings, contents, or both, we have options.


What is home insurance?

Home insurance protects your home and your possessions from damage or from theft. The types of home insurance you can take out from TSB include:

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.


Here for you, when you need us


At TSB, our home insurance policies give you:

  • A claims helpline open 24/7. You can make a claim online or by calling our UK-based call centre.
  • Online service that makes it easy to view your policy documents and make a new claim.
  • A safe place to stay for everyone in the home, including your pets, if it’s unfit to live in due to a claim.
  • 12 month guarantee on all repairs done by our approved trades people.

Our buildings and contents insurance has limits, terms and exclusions on cover.
 

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Choose your insurance cover: Essential vs Enhanced

We have two levels of home insurance cover for buildings and contents, Essential and Enhanced. Both levels come with the option of adding legal services and home emergency cover.

Must be a UK resident and aged over 18 to apply

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Must be a UK resident and aged over 18 to apply

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Must be a UK resident and aged over 18 to apply

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Must be a UK resident and aged over 18 to apply

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Must be a UK resident and aged over 18 to apply

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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.

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 to apply    

To apply, you’ll need to be:

  • 18 or over
  • A UK resident

Please read, download or print the Important documents beforehand. The Initial Disclosure Document explains who we are and the service we provide.


How it works

1. Get a personalised quote

We’ll ask for a few details and give you a quote.

2. Choose your cover

See which level of cover best suits your needs.

3. You’re protected

Pick a policy, choose to pay annually or monthly at no extra charge, and relax knowing you’re covered.

 

 

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

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Compare our products

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View documents

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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.


Home insurance FAQs

Home insurance offers two main types of cover: buildings and contents.
Our buildings insurance covers the bricks, mortar, fixtures, and fittings of your home. It covers you for 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 pipe bursts in your living room, our buildings insurance can help pay to fix the problem.
Contents insurance is to cover your things in the 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.
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.

Here are some of the things not covered by our home insurance: 

  • Electrical or mechanical breakdowns, such as a television not working due to an electrical fault.
  • Gradual deterioration or wear and tear, such as carpets wearing out over time. This includes 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.

Every home is different, so it’s up to you to choose what you think best suits your needs.
To make this decision easier for you, we show the key differences between our Essential cover, which is a 3 star Defaqto rated product, and Enhanced cover, which is a more comprehensive 5 star Defaqto rated product, in a side-by-side view so that you can make an informed decision.
Once you’ve completed your quote, you’ll see a similar table with the premium shown for Essential and Enhanced cover. This will be based on what you have told us. If one of the products is not suitable for your needs given the information you provide during the quote process (e.g. does not have high enough cover limits), it will not be shown.

While home insurance is not legally required by law, having your building insured is often a requirement set by your lender if you have a mortgage on your home. Even if you don't have a mortgage, having home insurance provides some financial protection from unexpected losses due to fire, theft, or storms that damage your home. Without it, you would have to pay to rebuild your house and replace your belongings.

If you rent a property, you don't need buildings insurance, but you might want to consider getting Contents or Renters insurance. Contents or Renters insurance covers your personal belongings in case of fire, theft, or storms that damage your belongings. While your Landlord's insurance will cover the building itself, it won't cover your personal items or protect you from liability claims. 

There are many factors that affect a home insurance quote: 

  • Where you live may influence the amount you pay in home insurance premiums. Areas with a history of losses, such as vandalism, theft, or weather-related events, may cost more to insure.
  • The expected cost to rebuild your home if it were destroyed. 
  • Older homes may have higher premiums due to the increased risk of damage.
  • Your personal claims history and the claims history of the property can impact your premium. More claims can lead to higher premiums.
  • The excess amount you choose to pay before your insurance kicks in. Higher excesses can lower your premium.
  • Homes with security systems, smoke detectors, and other safety features may help reduce your premium.
  • The level of cover and add ons you choose (e.g. Legal Services or Home Emergency Cover) can affect your premium.

You must always take reasonable care to give full and correct answers to any questions asked when completing a quote. If full and correct information isn’t given, we may change your premium, excess, or cover and/or refuse to pay all or part of a claim or cancel your cover. 

The information that you need to complete a home insurance quote can differ between insurers and products, but you often need to know: 

  • The details of the property you intend to insure. This includes the full postal address, year of build, the number of bedrooms and bathrooms, and whether it is a standard build type (e.g. bricks and tiled roof construction).
  • Who lives at the property.
  • Any claims history that you’re aware of (e.g. has the property ever suffered from a flood, subsidence, or landslip? Have you had any claims in the last 5 years?)
  • Whether you have any specific items (e.g. an expensive watch or diamond ring) that are of a material value and/or that need to be insured when you take the item out of the home

It only takes a matter of minutes to obtain a TSB home insurance quote, but the length of time can vary depending on your specific answers. To provide you with an accurate quote as possible, we may require additional information.


Get in touch

Chat with us

Use the chat service to talk to us about your insurance quote.

Give us a call

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

If you’re struggling with the cost of living, you’re not alone. We’re here to help you get the support you need.



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.

You can check the FCA register or call the FCA on 0800 111 6768.