Halifax home insurance

Choose from Home Insurance Select or Home Insurance Ultimate along with a range of optional add-ons to give you a tailored and flexible home insurance policy.

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Why choose Halifax home insurance?

It might be reassuring to know that Halifax Gold, Silver and Ultimate home insurance policies are all rated five stars by Defaqto, this is the highest rating on offer.

Moneyfacts gives Halifax similarly high ratings, awarding five stars to the Halifax Home Insurance Select Gold and Silver products for buildings and contents insurance, and four stars for its Bronze policy.

Halifax Home Insurance Select provides three main types of home insurance: buildings, contents, and a combined home insurance policy.

Each type of policy has three levels of cover: Gold, Silver and Bronze along with a range of additional options to choose from, such as accidental damage and home emergency cover.

However, as with any insurance you buy, it’s best to shop around and compare policies to make sure you get the best cover for your needs and wallet.

Halifax home insurance

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Buy home insurance with us and we’ll refund your excess if you make a claim. Excludes accidental loss and damage claims^

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^Up to £250 refunded after claim settled. Excludes accidental loss or damage claims. Full T&Cs apply.

Halifax home insurance facts

Halifax home insurance can provide peace of mind by protecting your home and possessions if something unexpected like a burglary, fire, flood or storm were to happen.

Other useful facts to know about Halifax home insurance are that it:

  • Offers contents and buildings insurance either separately or as a combined policy
  • Provides you with flexible levels of cover to suit your needs and budget
  • Gives you the option to pay monthly or annually, with no difference in cost
  • Provides a range of extra cover options to choose from
  • Replaces contents on a new for old basis
  • Offers you Home Insurance Ultimate, which includes unlimited sums insured and accidental damage cover if you buy through a comparison site
  • Provides a minimum of £50,000 contents cover and the full rebuild cost of your home

How do I get in touch with Halifax?

You can either visit the website.

Or call: 0345 982 5437

Lines are open:

  • Mon to Fri: 8am - 6pm
  • Sat: 9am - 1pm

What does Halifax home insurance cover?

Home insurance from Halifax is designed to protect your home inside and out, by providing contents and building cover.

Halifax contents insurance protects the items inside your home against theft and damage from an unexpected event, like a fire, flood or storm.

Halifax buildings insurance protects you against damage to the structure of your home and its fixtures and fittings.

You can either choose to buy buildings or contents insurance as separate policies, or you can buy them together as a combined policy to provide full protection.

What are the different levels of cover for Halifax Home Insurance Select?

To make your home insurance as flexible as possible, Halifax offers different levels for its Home Insurance Select policies, so that you can pick and choose your cover.

Which level you choose will depend on things like how much your belongings and home are worth and if you’d like cover for accidental damage.

Home Insurance Select offers three levels of cover: Bronze, Silver, and Gold.

Bronze Silver Gold
Buildings limit up to Full rebuild cost Full rebuild cost Full rebuild cost
Contents limit up to £50,000 £100,000 £250,000
Accidental damage to buildings Not available Included, up to full rebuild cost Included, up to full rebuild cost
Legal expenses Not available Included, up to £50,000 Included, up to £50,000

What does Halifax buildings insurance cover?

Halifax buildings insurance protects the structure of your home, including its fixtures and fittings.

It includes cover for attached garages and conservatories, as well as gates, fences, paths, driveways, and patios.

Halifax buildings insurance includes cover for:

  • Damage from fire, smoke, floods, storms, lightning, earthquakes, explosions, theft, vandalism, and escape of water
  • Alternative accommodation if the damage means you can’t live in your home
  • Replacement locks and keys
  • Accidental damage to underground services, like pipes and cables
  • Trace and access to find the source of leaks
  • Homeowners’ liability insurance

What does Halifax contents insurance cover?

Halifax contents insurance is designed to look after the possessions in your home and help you to cover the costs of repairs or replacements if they were to get damaged or destroyed.

Halifax contents insurance includes cover for:

  • Damage from vandalism, theft, and attempted theft of contents
  • Contents stored in attached outbuildings up to £5,000
  • Replacement locks and key
  • Freezer contents
  • Visitors’ belongings
  • Money and cards
  • Alternative accommodation up to £25,000

What is Halifax Home Insurance Ultimate?

This is a Halifax home insurance product for people who want extra peace of mind by having a greater level of cover and higher limits than a standard policy.

Home insurance Ultimate is only available if you buy Halifax home insurance through a comparison site like GoCompare.

It includes all the benefits of the standard home and contents cover as well as the following extras:

  • Unlimited sum insured for buildings cover
  • Unlimited sum insured for contents cover
  • Unlimited sum insured for outbuildings cover
  • Accidental damage cover for your building and contents
  • Replacement of sets cover - like replacing an undamaged sofa because the matching armchair is damaged

What optional extras are available for Halifax home insurance?

You can tailor your policy to suit the type of property and contents you own by choosing from a number of extra options to get the right cover. These include:

Accidental damage cover

This is included in Silver and Gold policies and covers accidental damage to your home and the things in it. You can take this out as an optional extra for contents, buildings insurance, or both

Home emergency cover

This optional cover protects you for emergency repairs that wouldn’t normally be covered by your home insurance and it also provides a 24/7 helpline

Pedal cycle cover

This covers loss, damage, and accidental damage to your bicycles, whether they’re in your home or outside your property boundary

Cover for contents in outbuildings and in the open

This covers contents in detached outbuildings and any contents or furniture left out in the open within your home’s boundary

Away from home cover

This protects the things you have on you when you leave the house, like your phone, watch or bike. It also covers the possessions of any students you have in your family who are in student accommodation

Legal cover

This is included with Silver and Gold policies and will pay up to £50,000 if you need to take legal action. It also includes a 24/7 helpline

How much does Halifax home insurance cost?

The amount you’ll pay will depend on a number of factors, including where you live, your home’s size and the level of cover you need.

Bronze level insurance with Home Insurance Select is the cheapest Halifax cover available, while Gold policies provide a higher level of insurance but will come at a higher price.

Halifax Home Insurance Ultimate is the most expensive option available, but it may save you money in the long run if you need to make a claim.

Who is Halifax?

Halifax was set up as a building society in 1853, in West Yorkshire, designed to help people manage their finances and buy a home.

Over the years it has grown to become one of the largest banks in the country and in 2009 it joined the Lloyds Banking Group.

Today, Halifax offers a wide range of financial products including current accounts, home insurance, loans, and mortgages.

Frequently asked questions

Halifax home insurance is underwritten by Lloyds Bank General Insurance Limited.

The underwriting for Halifax legal expenses cover is underwritten by Royal & Sun Alliance Insurance Ltd.

If you have legal expenses cover as part of your policy, you’ll be covered if you’re injured in an accident and not to blame.

Employers’ liability insurance will cover accidental injury to any domestic staff while they’re employed by you.

Yes, Halifax became part of the Lloyds Banking Group in 2009, although it still operates under the name Halifax.

The Lloyds group is one of the UK’s largest insurers and its policies are underwritten by Lloyds Bank General Insurance Limited.

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