Contents 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 does contents insurance cover?

Optional cover

Selecting the right level of cover

The level of cover you need will be individual to you. It will depend on things like how much your belongings are worth, and if you want cover for accidental damage. You'll need to make sure you have enough cover for all your contents. Compare what's included with our Bronze, Silver and Gold cover to help you pick which one is best for you.

Keep in mind that these are not the only limits that will apply. Please see your policy documents for full details. Terms, limits and exclusions apply to all levels of cover.

Contents limit expandable section

	Bronze	Silver	Gold
Contents limit up to	Bronze £50,000	Silver £100,000	Gold £250,000

Accidental damage expandable section

	Bronze	Silver	Gold
Accidental Damage	Bronze Not available	Silver Included, up to £100,000	Gold Included, up to £250,000

Legal expenses expandable section

	Bronze	Silver	Gold
Legal Expenses	Bronze Not available	Silver Included, up to £50,000	Gold Included, up to £50,000

Away from home expandable section

	Bronze	Silver	Gold
Away from Home	Bronze Optional extra, from £1,000 to £25,000	Silver Optional extra, from £1,000 to £25,000	Gold Optional extra, from £1,000 to £25,000

Home emergency expandable section

	Bronze	Silver	Gold
Home Emergency	Bronze Optional extra, up to £1,000	Silver Optional extra, up to £1,000	Gold Optional extra, up to £1,000

How much excess would I need to pay?

Your excess is the amount you’ll pay towards most types of claim. You can select 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 leaking water claims.

Your standard excess expandable section

	Bronze	Silver	Gold
Bronze Your standard excess	Silver Choose between £100 and £500	Gold Choose between £100 and £500	Choose between £100 and £500

Leaking water excess expandable section

	Bronze	Silver	Gold
Bronze Leaking Water excess	Silver £500	Gold £500	Your standard excess

Let's take a closer look

Do I need contents insurance as a tenant? expandable section

Yes, you’ll need contents insurance if you’re a tenant, unless provided by your landlord. This will cover the things that you own in your home. You don't need buildings insurance as your landlord should cover this.
How soon can you claim on contents insurance? expandable section
If it’s covered, you can claim for something that happens after the start date of your policy. You can make a claim online or over the phone. You’ll need to tell us.
- How your things have been damaged, destroyed or stolen
- The value of these items
- When it happened
You may need to provide proof of the value and specification of any items that you’re claiming for.
Is a washing machine covered in contents insurance? expandable section

Your contents cover does include kitchen appliances that are free-standing and you own, such as washing machines.
Does contents insurance cover fire? expandable section

Yes, if a fire damages the things in your home, you’ll be covered. It doesn't cover damage to the property itself.
Is a carpet covered under contents insurance? expandable section

Contents insurance usually covers carpets you own. For example, a flood ruins it.

You need to select Silver or Gold level of cover to cover your carpet for accidental damage. If you have this cover and you accidentally damage it, we will cover the cost of cleaning or replacing it.

To tell you more about what is and isn’t covered, look at our policy booklet. Keep in mind that with all of our cover levels, there are limits, terms and exclusions. Read the policy documents (PDF 508KB).

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