Optima Home

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.


Who is it for?

  • Homeowners
  • Tenants who are renting premises and require cover for their possessions 
  • People who require extra cover for their possessions away from the home
  • People who do clerical business work from home
  • Up to 9 bedrooms
  • Properties with a rebuilding cost of up to £500,000
  • Risks with a buildings sum insured between £45,000 and £500,000
  • Risks with a contents sum insured of between £17,500 and £80,000
  • Risks with sum insured for unspecified possessions away from the home up to £10,000

How to get a quote

Via your software house.


Cover Optima Home
Buildings cover
  • Sums insured for the cost of rebuilding the home and any outbuildings
  • Storm or flood
  • Fire, smoke, explosion, lightning or earthquake
  • Subsidence, ground heave or landslip
  • Riot, civil commotion, strikes, malicious acts 
  • Escape of water, impact with the buildings, theft or attempted theft, leakage of oil; falling trees or branches, falling aerials or fittings
  • Reasonable costs necessarily incurred for fees and other expenses 
  • Up to two years rent the insured would have received
  • Alternative accommodation up to the buildings sum insured
  • Glass or sanitary ware up to the buildings sum insured
  • £1,000 cover for clearance of blockages of underground pipes and cables 
  • £2 million public liability cover
  • £5,000 trace and access cover to locate the source of damage
  • Emergency access up to the buildings sum insured
  • £1,000 cover for replacement locks
Contents cover
  • Standard policy provides contents cover up to the sum insured for the cost of replacing insured's belongings
  • Temporary removal of contents up to 20% of the contents sum insured. Up to £5,000 in student accommodation
  • Rent up to 12 months
  • Alternative accommodation
  • Deep freezer contents
  • Mirrors and glass
  • Audio and audio visual equipment
  • Tenant's liability up to 20% of the contents sum insured
  • £1,000 cover for loss or damage to contents in the garden
  • £1,000 cover for replacement locks
  • £1,500 cover for loss of oil and metered water
  • £2,500 reinstatement of title deeds cover for loss or damage
  • £2,500 cover for visitors' personal effects
  • £5,000 cover for clerical business equipment
  • £2,500 cover for audio or visual downloads
  • £2 million public and personal liability cover
  • £10 million for accidents to domestic employees
  • £5,000 cover for fatal accidents
  • Household removals (accidental damage)
  • £250 shopping in transit cover for loss or damage
Cover can be extended to include
  • Possessions away from the home
  • Accidental damage to buildings and contents
  • Legal expenses cover in respect of employment disputes, contract disputes, bodily injury, property protection, tax protection, jury service and legal defence. Up to £50,000 limit of indemnity
  • Unspecified articles up to the unspecified sum insured. Single article limit £1,500
  • Personal money up to £750 for loss of money
  • £1,000 credit cards cover for unauthorised use
  • Specified articles up to maximum £7,500 per item
Contents - limits
  • Maximum of 40% of the contents sum insured for valuables
  • £2,500 for any valuable item unless specifically insured


  • Buildings - £100
  • Subsidence - £1,000
  • Contents - £100
  • Possessions away from the home - £100
  • Escape of water - £250


  • Up to five years no claim discount
  • Up to 25% no claim discount
  • Property and legal helplines included
  • Voluntary excesses available from £50 to £500
  • Cover for Christmas, birthday and wedding periods - cover increased by up to 10% of contents sum insured


Optima Home