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The Co-operative Insurance Home insurance
- HomeRescue Plus – just 12p in the first year (usually £24 a year). Claim up to £250 for emergency repairs to fix things like broken boilers or burst pipes.
- FREE contents cover for 6 months. Take out our buildings insurance now, and save even more with 6 months free contents cover.
- Free £50,000 legal expenses cover
- Most of our customers pay £23 a month or less** for their home insurance
- Up to 40% No Claims Discount for buildings and contents with option to protect once full entitlement has been earned
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Buildings Insurance Cover
| Buildings insurance |
Cover |
| Loss or damage from specific events e.g. fire, theft, storm, flood, subsidence, escape of water etc |
Up to £500,000 rebuilding costs |
| Accidental damage e.g. putting your foot through a ceiling |
Optional |
| Property owner’s liability |
Up to £2m plus legal costs |
| Loss of rent and the cost of alternative accommodation |
Up to £20,000 |
| Accidental breakage of sanitary fittings, glass in doors, windows, solar panels and greenhouses |
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| Accidental damage to underground pipes, drains and cables |
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| Cover for domestic outbuildings, including sheds, garages and greenhouses |
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| Architects, surveyors, consultants and legal fees; costs of debris removal and of local authority requirements |
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| Legal expenses cover |
Up to £50,000 |
| Legal advice helpline |
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| HomeRescue Plus cover |
Optional |
| HomeRescue helpline |
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Contents Insurance Cover
| Contents insurance |
Cover |
| Loss or damage from specific events e.g. fire, theft, storm, flood, subsidence, escape of water etc |
Up to the sum insured on contents † |
| ‘New for old’ replacement of items (except linen and clothing) |
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| Theft from domestic outbuildings |
Up to £2,000 |
| Accidental damage e.g. spilling paint on a carpet |
Optional |
| Personal and occupier’s liability |
Up to £2m plus legal costs |
| Tenant’s indemnity |
Up to 20% of the sum insured on contents |
| Liability for rent and the cost of alternative accommodation |
Up to 20% of the sum insured on contents |
| Office equipment in the home e.g. computers, office furniture, fax machines, printers |
Up to £5,000 |
| High risk items e.g. jewellery, watches, TV’s, camaras (limit of £2,000 per article, pair, set or collection) |
Limit selected by you |
| Personal money in the home |
Up to £250 |
| Fraudulent use of credit cards following theft from the home |
Up to £250 |
| Contents in the garden |
Up to £500 |
| Food in the freezer |
Up to £1,000 |
| Replacement external locks following theft of door keys |
Up to £500 |
| Accidental damage to computer equipment, TV’s, videos, DVD players etc |
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| Accidental breakage of mirrors, fixed glass in furniture and ceramic in hobs |
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| Visitors’ personal belongings (limit per visitor) |
Up to £500 |
| Contents temporarily away from the home |
Up to 20% of the sum insured on contents* |
| Student belongings away from the home |
Up to £5,000 * |
| 10% increase in the sum insured on contents for family weddings and over the Christmas period |
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| Loss or damage to contents caused during household removal by professional removal contractors |
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| Cost of preparing new title deeds due to loss or damage |
Up to £500 |
| Loss of oil or metered water |
Up to £1,000 |
| Fatal injury in the home |
£5,000 |
| Unspecified Personal Possessions cover |
Optional |
| Legal expenses cover |
Up to £50,000 |
| Legal advice helpline |
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| HomeRescue Plus cover |
Optional |
| HomeRescue helpline |
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Sponsors |
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