Why choose our home insurance?
We aim to make Ageas Extra Home Insurance easy. Easy to get a quote. Easy to manage online. Easy to make a claim. Plus, with our Defaqto 5 Star Rated cover, you can have peace of mind that you’ve got the protection you need.
New for old
One excess per claim
It's quick and easy online
MANAGE YOUR ACCOUNT 24/7
- No £20 admin fee when you make a change online
- Update personal details, e.g. address
- Amend cover
- Renew your policy
- Make payments
- Make and manage a claim
- View and download your documents
Protect your home
Make sure you're ready for the different seasons, with our tips on how to protect your home whatever the weather.
Why choose our Insurance?
- We provide insurance to over 3 million
Home, motor, travel, pet and business customers.
We have over 14,000 customer reviews.
- Defaqto 5 Star Rated Home insurance
It's one of the highest levels of cover available.
- Award-winning^^ UK-based claims service
24/7 emergency claims helpline.
- 12-month guarantee
Approved repairs by one of our suppliers come with 12-month guarantees.
- Quick and easy
Manage your policy or make a claim online 24/7.
Supporting all customers
Life can bring challenges, and we understand this can look different for all our customers. We’re committed to working in a way that supports your individual needs and circumstances.
If you’re experiencing financial difficulties, are facing a challenging life event or need help with the way that we communicate with you, we’d like to help.
Build Back Better
Find out more about our Build Back Better scheme and how to combat the risks of flooding.
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.
Why move to our 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.
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.
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.
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 cover more than your home
Join Ageas - one of the largest UK car insurers, over 3 million customers put their trust in us.
Defaqto 4 Star Rated van insurance for that extra peace of mind.
Protect your dog or cat with our pet insurance
Flexible cover for your next adventure.
View our policy document
Read our policy booklet to make sure our cover is right for you.
About your policy
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, you can easily make a payment online if there is an outstanding balance on your car, home or van account. Just log in to your online account, click the ‘Pay now’ button and we will guide you through the process.
For Ageas car and home insurance customers, yes it’s easy to change your address online. Simply log in to your online account, click the ‘Change address’ button and we will guide you through the process.
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
- 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
- White goods
- Electronic goods
- 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.