Go paper-free
Amend paper-free preferences for your statements and communications.
Buildings insurance
You won't find Home Insurance Select on price comparison sites. Get a quote directly with us, online or over the phone.
Halifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.
What’s included in our cover?
Home Insurance Select offers you three levels of cover to choose from. You can also add Home Emergency cover to your policy.
Choosing the right level of cover
The level of cover you need will be individual to you. It will depend on things like if you want Accidental Damage or Legal Expenses cover. Compare what's included with our Bronze, Silver and Gold cover to help choose which one is best for you.
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read our policy documents (PDF, 508kB)
|
|
Bronze |
Silver |
Gold |
|---|---|---|---|
|
Buildings limit up to |
Bronze Full rebuild cost |
Silver Full rebuild cost |
Gold Full rebuild cost |
|
|
Bronze Not available |
Silver Included, up to full rebuild cost |
Gold Included, up to full rebuild cost |
|
|
Bronze Not available |
Silver Included, up to £50,000 |
Gold Included, up to £50,000 |
|
|
Bronze Optional extra, up to £1,000 |
Silver Optional extra, up to £1,000 |
Gold Optional extra, up to £1,000 |
Why choose Halifax home insurance?
Here when you need us most
Make claims easily online or by phone. Our out of hours emergency claims helpline is available for urgent support.
You decide the excess
Pay your chosen excess towards most claims. The higher the excess you choose, the less you could pay for your cover.
No hidden costs
We won’t charge you an admin fee for making any changes to your policy.
Manage your policy online
Easy to manage your policy online; claim, renew and pay. If you’re registered, sign into Online Banking for extra features to make managing your policy even easier.
How much excess would I need to pay?
Your excess is the amount you'll pay towards the cost of most types of claim. You can choose your own excess between £100 and £500. A higher excess means your cover will cost less, but you'll have to pay more towards a claim.
With Bronze and Silver cover, there's a different excess for subsidence and leaking water claims.
|
|
Bronze |
Silver |
Gold |
|---|---|---|---|
|
Your standard excess |
Bronze Choose between £100 and £500 |
Silver Choose between £100 and £500 |
Gold Choose between £100 and £500 |
|
Leaking Water excess |
Bronze £500 |
Silver £500 |
Gold Your standard excess |
|
Subsidence excess |
Bronze £1,000 |
Silver £1,000 |
Gold Your standard excess |
What's covered if I need to claim?
Buildings insurance covers you if something happens to your home. For example, if there's a fire, storm or flood. Whichever level of cover you choose, we'll cover up to the full rebuild cost of your home and its outbuildings. There's up to £100,000 cover for the extra cost of staying somewhere else if you need to because of a claim. We also cover the cost of changing your locks if your keys are lost or stolen.
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF 508KB).
What happens if I need to make a claim?
We hope you never need to, but if you do need to claim we've made it as simple as we can. You can make a claim online any time, day or night. You can also make a claim over the phone.
Ready to get a quote?
Buildings insurance: FAQs
Does buildings insurance cover leaks?
Yes, buildings insurance can protect you against the cost of damage caused to your property from leaking oil or water.
This only covers damage to your home itself and its fixtures and fittings. If there is damage to the things in your home, for example a carpet is ruined, you'll need contents insurance to claim for it.
Does buildings insurance cover damp?
No, buildings insurance doesn't cover damage that happen slowly over time such as damp. Damp normally occurs as a result of excess moisture in your home. It is up to you to fix this issue as it could cause further structural damage.
Do I need buildings insurance as a tenant?
No, if you are a tenant, your landlord is responsible for arranging buildings insurance for your home. You'll need contents insurance to protect the things you own inside your home.
Does buildings insurance cover my boiler if it breaks down?
No, buildings insurance doesn't cover damage caused by wear and tear. So if your boiler breaks down, you won't be covered. Home Emergency cover can protect you against paying out for emergency repairs to your boiler.
Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF 508KB).