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.
Why insure with TSB?
Get a quick quote
We have two levels of 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 policy.
Insurance to suit your needs
Whether you’re after buildings, contents, or both, we have options.
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.
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
Must be a UK resident and aged over 18 to apply
Must be a UK resident and aged over 18 to apply
/content/tsb-public/uk/en-gb/insurance/home-insurance/jcr:content/root/container/container/tabs/item_1713971289695/flexitable
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
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.
