Home insurance

Home insurance

Protect your home and the things you love with our Defaqto 5 Star rated cover

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Why choose Ageas home insurance

We’ve made Ageas Extra Home Insurance easy. Easy to get a quote. Easy to make a claim. Plus, with our 5 Star rated cover given by industry experts, Defaqto, you can have peace of mind that you’ve got the protection you need.

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New for old

When we replace lost, stolen or damaged items with new ones, we will not make any deductions for wear and tear.


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Tracing Leaks

If a water or oil leak damages your building, we'll cover the cost of finding the source of the leak, as well as repairs to walls, floors and ceilings.
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One excess per claim

You will only have to pay one excess^, even if you claim for both buildings and contents cover for the same event.
Manage your account online

Manage your account online

It's easy to get set up and manage your insurance online, but if you need help our chatbot is quick, easy and available 24/7.


We provide some of the highest quality cover in the market

Ageas home insurance provides one of the most comprehensive policies in the market, as indicated by its Defaqto 5 Star Rating.

Defaqto is an independent financial information business, helping financial institutions, financial advisers and consumers make better informed decisions.

online claims

Save time - register your claim online

Register your claim quickly and easily using our new online claims service.

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Ageas Extra Home Insurance

  • We provide insurance to over 4 million motor, home, travel and business customers.
  • Contents insurance – We’ll cover your contents up to £75,000 as standard. If needed, that can be increased up to £100,000.
  • Buildings insurance - We cover the cost of rebuilding your home up to £1,000,000, so it's easy to make sure you have enough cover.
  • Trustpilot - We have over 9,000 customer reviews.
  • No admin charges when you make a change to your policy online.
Household claims team of the year award 2020

Award-winning claims team

You can make a claim 24/7 with our UK-based team. Ageas Insurance Limited won the Claims Team of the Year at the Insurance Times Claims Excellence Awards 2020.

Why move to Ageas Extra Home Insurance

Lost or stolen keys
We’ll make you safe by covering the replacement and installation costs up to £1,500.

Repairs and replacements
You can relax – as any repairs carried out by one of our partners, come with at least a 12-month guarantee.

Professional fees
If your buildings are damaged, we’ll cover you for any legal fees, as well as fees for architects and surveyors that you need to pay as part of the repair or rebuild, as long as the damage would have been covered elsewhere in this buildings policy.

Alternative accommodation
If your home becomes uninhabitable as a result of an insured event, we cover the cost of temporary accommodation for you, your family and your pets up to £100,000.

Mobile phones
Our contents cover includes mobile phones in the home up to £2,000.

Fridge and freezer
Damage to frozen and refrigerated food due to a rise in temperature is automatically included.

Shopping in transit cover
If something is lost, stolen or damaged on the way home from the shops where you bought it, we’ll cover you up to £500.

Terms and exclusions apply to the cover we provide. Please read our policy documents.

We're proud of what our customers say about us...

ServiceMark Accredited by the ICS

Excellent Customer Service

Recognised by the ICS for our excellent level of customer service.

Our types of cover

Whether you want combined cover or just need to protect your building or its contents, Ageas has got you covered

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Buildings and contents cover

Find out more
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Buildings cover

Find out more
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Contents cover

Find out more

Our optional cover

If you want your home insurance to go even further, you can choose to add optional cover to your policy

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Legal expenses cover

Find out more
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Home emergency cover

Find out more

Already insured with us?

View our policy document

Read our policy booklet to make sure our cover is right for you.


Frequently asked questions

About your policy

You can call us on 0345 165 0900 to make changes to your policy. We won't charge you a fee to make changes.

You can also see and download your policy documents on your online account. If you haven't registered for an online account yet, you can do so here.

We want to make renewing insurance easy for our customers, so we don't offer discounted prices to people who call us. The price we've given you is our final price based on your current cover and information we hold.

Here's how to get in touch:

  • Use the Virtual Assistant on this page for help with your query.
  • Use our contact us form to send us a message anytime.
  • Give us a call on one of the telephone numbers you can can find on our contact us page

About home insurance

Home insurance is designed to help protect you in case of damage or loss caused by an insured event to a property you own, the contents of your home or both.

By paying a monthly or annual premium, you’ll be able to claim for the costs of repairing or replacing things in your home if something goes wrong, provided they're covered by the terms of your insurance policy.

What’s covered under a home insurance depends on the type of policy you have.

Buildings insurance covers the cost of repairing damage to the structure of your home caused by insured events, up to the cost of rebuilding the house from scratch. It includes things like:

  • Walls and roofs
  • Floors
  • Windows and doors
  • Permanent fixtures and fittings, like bathroom suites and kitchens
  • Some external structures, like garages and outbuildings.

Contents insurance covers the cost of repairing or replacing the contents in your home if they're damaged in an insured event. It usually includes:

  • Soft furnishings
  • Furniture
  • White goods
  • Electronic goods
  • Clothes
  • Money and jewellery (usually up to a certain value).

Most insurers provide cover for damage or loss caused by a number of perils, such as fire, vandalism, storm, flood, theft and subsidence.

You are also likely to be given the option to purchase a combined policy that covers both contents and buildings. They will also often offer some optional cover that you can add to a home insurance policy, including things like home emergency cover and legal expenses cover.

Before you take out home insurance, you’ll need to determine what level of cover you need.

You can then shop around for quotes online. When you start a quote, insurers will need you to provide some details about yourself, any other occupants in your home, the home itself and how you use it, in order to calculate if they can offer you a quote and at what price.

Once you have a policy in place, if you need to make a home insurance claim, you will need to get in touch with your insurer and provide as much information as possible about what happened. They will then process your claim and either arrange and pay for works or provide funds to repair your home or replace your possessions, provided you're covered for that type of damage or loss under your policy.

If you’re a homeowner, it’s a good idea to consider having both buildings and contents insurance, to ensure both your property and its contents are protected. It may also be a condition of your mortgage that you take out a buildings insurance policy.

Contents insurance is not a requirement, but it’s also worth considering it, whether you're a homeowner or a tenant. Contents cover can protect you in the event of damage or loss to the contents in your home, that's been caused by an insured peril. If you do decide to take out a policy, bear in mind that you will have to provide the insurer with the full replacement value of the contents of your home, if they were to be replaced as new.

If buildings insurance is a requirement as part of your mortgage agreement or you've decided to take out a policy anyway, you’ll want to ensure you have it in place for when the exchange of contracts happens. 

Contents insurance is not normally a requirement of your mortgage agreement and, if you decide to get it, it doesn’t need to kick in until you move your possessions into the home. However, you may find it's easier and cheaper to take out both buildings and contents cover together in one policy.

It’s never nice to think about, but unforeseen things can happen in your home, and it's important to be prepared.

If your home were to be affected by something like theft, fire or flooding, you could be left with a hefty bill to put things right. That's where insurance can help. By having home insurance cover in place, you get peace of mind knowing that these types of costs should largely be covered if something happens.

You can get a home insurance quote online either directly on an insurer’s website or through one of the available comparison websites. In either case, you should have as much information as possible to hand about yourself, your home and your belongings, as insurers will need it to determine whether they can offer you a quote and what the price of your premium will be.

If you would like to see how Ageas could help with your home insurance, take a look at our policy booklet or get a quote for our home insurance online today.

* Ageas are one of the UK’s largest car insurers, we provide insurance to over 4 million customers in the UK to protect their cars, home, travel and business.

We will decide whether finding the source of the leak is the most practical and cost-effective solution.

^The excess to pay will be the highest policy excess that applies.

^^Save £25 admin fee when you make a change to your car insurance policy online, our standard fee for making a change over the phone is £25