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.
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 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:
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.
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.
|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|
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:
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:
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:
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:
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
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
This covers loss, damage, and accidental damage to your bicycles, whether they’re in your home or outside your property boundary
This covers contents in detached outbuildings and any contents or furniture left out in the open within your home’s boundary
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
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
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.
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.
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.