Home insurance
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Churchill home insurance
Choose from two levels of home insurance - Home Insurance and Home Insurance Plus.
Who is Churchill?
Churchill Insurance was founded in 1989.
It’s a leading provider of car and van, home, travel and pet insurance and is well-known for its dependable dog mascot Churchill (or ‘Churchie’ for short).
Why choose Churchill home insurance?
Churchill offers buildings, contents or a combined buildings and contents policy.
You can choose from two levels of cover:
- Home insurance
- This is Churchill’s standard policy. You can add a number of optional extras to suit your needs, for an additional fee.
- Home Plus
- This policy includes all the benefits of Churchill’s standard Home insurance with extras like accidental damage and home emergency cover already included.
If your home isn’t safe to live in after an event like a fire or flood, you’ll get the cost of alternative accommodation covered (up to a specified limit). You might also be offered emergency funds, to cover immediate essentials, like food and clothing.
It offers ‘new for old’ cover including clothing that’s destroyed in an insured event. There’s also a 12-month warranty on all building work done by Churchill’s approved repairers. Cover for your garden and plants comes as standard too.
Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto. And you can easily manage your policy online.
It's still important to compare different home insurance providers to make sure you're getting the right policy that covers your home insurance needs.
What does Churchill buildings insurance cover?
Churchill buildings insurance covers your buildings for loss or damage caused by storms, floods, escape of water, subsidence and heave, vandalism or malicious acts, falling trees or branches.
Depending on the type of cover you choose, it can also pay for accidental damage to underground pipes, drains and tanks, as well as alternative accommodation for you and your pets if your home is damaged and you can’t live in it.
Plus if you lose your keys or they’re stolen, you’re covered for replacement locks.
Trace and access cover – to determine the cause of water leaks – is also included.
What does Churchill's contents insurance cover?
The belongings in your home are covered for damage caused by disasters like floods, fires and escape of water.
It also pays for things including:
- The contents of your fridge or freezer if they break down
- Loss or damage to your contents when you’re moving home (aside from fragile items)
- Items in your garden like barbecues and garden plants
- Contents at university or college
- Increasing the sum insured by 10% for 30 days before and 30 days after special occasions such as the birth of a child, religious festivals and weddings or civil partnerships
- Downloaded content
- Title deeds
- Alternative accommodation if your home is unsafe to live in after an insured event
What optional extras are available?
These four extras are all included as standard on Home Plus policies, but can be purchased as additional cover on a Home policy:
Home Emergency Cover
Churchill will arrange for an authorised repairer to deal with all sorts of home emergencies - like your heating system breaking down or a burst pipe leaking through your ceiling. You’ll also be covered if there’s damage to external locks and you can’t get in your home, or if pests like wasps or vermin take up residence in your home and you need to get rid of them fast. One night’s emergency accommodation up to a certain value is also included.
Accidental Damage
This covers your buildings for things like hammering through the floorboards into a gas pipe when you’re doing DIY. Damage to your fixtures and fittings also counts.
Your home’s contents are covered for all sorts of eventualities - whether that’s spilling red paint over cream curtains when you’re decorating or knocking over the TV when you’re vacuuming.
Family Legal Cover
You’re covered up to a certain amount for legal costs to help resolve things like employment disputes, issues over faulty work done by tradesmen, wrangles with neighbours or to pursue a personal injury claim if you or a member of your family who lives with you is involved in an accident that wasn’t your fault.
Personal Possessions Cover
Belongings you take out of the home are insured for loss, accidental damage or theft. Things like your mobile phone and jewellery are covered as well as your wallet or purse, plus your bicycles.
What is Churchill Home Plus?
Churchill Home Plus includes a few extras, like:
- Accidental Damage
- Personal Possessions
- Legal Expenses
- Home Emergency
Home Plus also offers higher limits of cover.
Matching Sets and Suites cover is also included. This means that if part of a set or suite is damaged and it can’t be repaired or replaced, they will replace the whole set or suite as new.
How much does Churchill home insurance cost?
Your premium costs will depend on things like what type of property you live in and what materials it’s made from.
Churchill will also want to know about your claims history in the past three years.
The area you live in will also have a bearing on cost. For example, if your home is somewhere that’s prone to flooding or has a high rate of home burglaries, you might have to pay more.
How do I compare Churchill home insurance?
You can compare home insurance quotes – along with a range of other providers – with us today.
Frequently asked questions
You can do this online at churchill.com or call 0345 603 3599 to start a claim.
Churchill has an online chat that'll put you in touch with the right person to help.
Alternatively you can call 0800 032 7199 during the following hours:
- Mon - Fri 8am - 8pm
- Saturday & bank holidays 9am - 5pm
- Sundays 9am -4pm
The business was bought by Royal Bank of Scotland Group in 2003, and today it’s part of the Direct Line Group.
There’s no app linked to Churchill’s home insurance policies, but you can use the website to view your policy, make changes and claims. You can also scan the QR code on the back cover of your policy booklet to get connected quickly to your online account.
Churchill’s telematics car insurance policy DriveSure is designed for young car drivers and comes with the DriveSure App which tracks your driving behaviour and displays your driving score.