House Guard

A policy with a variety of features giving the freedom to choose the options that best suit the circumstances.

Terms, conditions and exclusions apply. Please refer to the Policy Wording and Policy Summary for further details. We also underwrite a variety of schemes, if you have a policy underwritten by Ageas you should check your policy document for full cover details.


Bedroom rated or sum insured policies available on both buildings and contents

Cover House Guard
  • Building repairs guaranteed for one year
  • £10,000 cover for squatters
  • Trace and access source of leak for escape of water and escape of oil causes up to the maximum claim limit
  • Cover for damage caused by emergency services when gaining access to homes, up to maximum claim limit
  • £2 million property owner’s liability cover
  • Claims settled by either replacing the items, paying their cash value or by repairing or rebuilding them
  • £750 cover for money 
  • £1,000 cover for credit cards
  • Up to contents sum insured cover for freezer food
  • Standard cover under contents includes accidental breakage to audio and visual equipment, DVD players and games consoles capable of playing DVDs, desktop personal computers, glass and mirrors up to the maximum claim limit for contents
  • £5,000 increase in the maximum claim limit for contents at family weddings, civil partnership ceremonies, birthdays and religious festivals
  • Loss or damage to contents during removal if professionally packed and carried, up to the maximum claim limit for contents
  • £400 shopping in transit cover
  • £2 million public and personal liability cover
Optional covers
  • Accidental damage extensions
  • Unspecified personal belongings
  • Specified personal belongings
  • Pedal cycles
  • Personal legal protection


  • Excess (starts from) - £100
  • Voluntary excesses - available on Buildings and Contents


  • In-house claims helpline open 24 hours, 365 days a year
  • A wide range of other helplines available
  • Full cycle EDI on the major systems
  • Use of a statement of fact on all EDI business
  • Premiums payable by instalments


House Guard