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.

You can easily check your policy and make changes through your online account. Using your online account means you won't be charged any admin fees for making a change online. It's simple to set up an online account if you don't already have one, just click here to start.

If you wish to make a change via phone, email, post or Live Chat, there is a £20 admin fee.

Please note, changes to your policy may result in either an additional or refunded premium for the remainder of your policy term.

You can get in touch with us via:

• A member of our Live Chat team - just click on the dog icon in the bottom corner of this web page
• Our Contact Us form to send us a message anytime and we’ll get back to you as soon as we can

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.

If you have an outstanding balance notification on your car, home or van online account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay now’ button and we will guide you through the process.

There could be a few reasons you have an outstanding balance on your account, such as, the full amount could not be collected when your Direct Debit was due, or your policy may have been cancelled.

If you have an outstanding balance notification on your car, home or van account, you can easily make a payment online. Just log in to your online account where you will see an outstanding balance notification. Simply click the ‘Pay outstanding balance’ button and we will guide you through the process.

Yes. If you have car, home or van insurance and have an outstanding balance, it’s easy to make a payment online. Simply log in to your online account, click the ‘Pay now’ button and we’ll guide you through the process.

Yes. If you have car, home or travel insurance, it’s easy to change your address online. Simply log in to your online account, click the ‘Change address’ button and we’ll guide you through the process.

For Ageas travel insurance customers, you can also email service@ageas-travel.co.uk, or contact us.

Home insurance is designed to provide financial protection in the event of damage to your home and its contents.

Home insurance can be paid for on either a monthly or on an annual basis. It covers the costs of repairing or rebuilding your home if it's damaged by things like fire, storm or flood, as well as the cost of replacing items in your home if they're damaged, destroyed or stolen, provided they're covered by the terms of your insurance policy.

There are three main types of home insurance:

• Buildings insurance. This covers damage to the structure, permanent fixtures and fittings of your property and outbuildings, such as walls, roofs, floors, bathroom suites and kitchen units.
• Contents insurance. This covers you for the loss or damage to your possessions in events such as a fire, flood, accident or theft, while they are inside your home or outbuildings. For example, this could be carpets, curtains, furniture, home appliances or laptops. Optional cover is also available for items taken away from home.
• Buildings & Contents insurance (Combined). Both types of cover in one policy.

There are always exclusions to any insurance policy, so please ensure you check the details in full before selecting a home 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 have a mortgage or own your property, it’s a good idea to consider buildings and contents insurance, to ensure both your property and its contents are protected. You can get both buildings and contents insurance under one policy. This can make it more convenient if you need to make a claim and can often work out cheaper than taking out separate policies and may mean only one excess is payable in the event of a claim affecting both buildings and contents.

Buildings insurance is often a requirement if you have a mortgage, to cover the cost of repairing any damage to the structure of your property and outbuildings in events such as a fire, storm, flood, and escape of water. This includes things like the roof, walls and floors as well as permanent fittings and fixtures, such as windows, fitted kitchens and bathrooms. You’ll need to make sure that the amount insured on your property would be adequate to completely rebuild the property, including outbuildings (as long as they’re enclosed), site clearance and professional fees.

Contents insurance is not a requirement, but it’s worth considering whether you own your property. Contents insurance covers you for the loss or damage to your possessions in events such as a fire, flood, escape of water, or theft, while they are inside your home or outbuildings, so they can be repaired or replaced. This includes thigs like carpets, curtains, furniture, home appliances and laptops whilst in the home. Optional cover is also available for items taken away from home.

If you do decide to take out a policy, you’ll have to estimate the full replacement value of all the contents of your home, if they were to be replaced as new.

There are always exclusions to any insurance policy, so please ensure you check the details in full before selecting a home insurance policy that’s right for you.

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.

Accidental Damage is an optional extra that helps cover the cost of repairing or replacing items accidentally damaged at home, giving you more peace of mind. To be covered, the damage must result from a sudden and unexpected event – it can’t be done on purpose, or arise from wear and tear, poor maintenance or breakdown.

Accidental Damage is a common reason for claiming, but it's not included in your home insurance policy as standard.

You can choose to add Accidental Damage cover to your buildings, insurance, contents insurance or both, which is an additional cost. If it’s for Buildings insurance, it will provide extra protection for damage caused to the structure of your home and it's permanent fixtures and fittings. And if it's for contents insurance, it will provide extra protection for those unavoidable little accidents around the home, like spilling red wine on a carpet.

For the greatest peace of mind, select Accidental Damage on both your buildings and contents covers.