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For further help, please contact us by phone or email and we'll be happy to help you. | Home Insurance information
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We offer buildings, contents, personal possessions and home emergency legal protection as home insurance options online. In addition, there is the option to include accidental damage cover to buildings and / or contents. The personal possessions section covers the everyday items that you take outside of your home, such as jewellery, clothing, watches and any other items you normally wear, use or carry. Home emergency legal protection provides up to £50,000 of legal costs to pursue claims such as personal injury, employment disputes, contract disputes and property disputes. If you require cover for your pedal cycles away from the home, or need any items to to be specified on your contents policy (any high risk item such as home entertainment equipment or valuables over £1500 need to be specified) or on your personal possessions cover (any item over £1500 should be specified), please call us.
We don't currently offer insurance for caravans or mobile homes. However, when you insure your main home with us, the contents cover provides an element of protection for items temporarily removed from the main home to caravans or mobile homes. To get more information on what is covered, you can contact us.
Our policies are only available within the British Isles.
Yes - we do offer home insurance in Northern Ireland.
We are happy to insure your home and its contents if the business use is confined to routine paperwork, telephone calls and computer work. If any other types of business activities are carried out from your home, please contact us to discuss your requirements.
When you take out contents cover with us over the internet, your policy automatically covers business equipment in the home up to £4,000, so long as any business use is confined to routine paperwork, telephone calls and computer work. This includes items such as computers, printers, fax machines and photocopiers.
If any other types of business activities are carried out from your home, please contact us to discuss your requirements.
We aim to provide competitive quotes for homeowners in all parts of the country. If your home is in an area with a known history of flooding or subsidence, we will require further details from you to assess what cover we are able to offer. Please contact us to confirm your details.
If you have saved a quote and entered a password you can retrieve your quote using the retrieve quote function in the bottom right of Churchill homepage, if you have done a quote but not saved it you will need to enter your details again.
Yes, having a burglar alarm which is professionally installed and annually maintained will reduce your annual contents premium. The discount will automatically be included in your calculated premium when you tell us on the "Your details" page of the quotation page that you have an alarm.
We are able to offer cover for certain types of second home. Please contact us to discuss your requirements.
Any property you are planning to let is regarded as a commercial venture and, as such, we are unable to provide cover. There are specialist insurers within the home insurance market who are able to offer insurance policies tailor made for this type of risk.
This type of cover is known as a block policy. We do not provide this type of policy. There are specialist insurers who are able to offer insurance policies tailor made for this type of risk.
Yes, we can provide contents insurance for rented properties (excludes cover for landlords contents).
You can take out buildings and contents policies separately if you wish, simply select the cover required on the quotation page. Please follow the link to obtain an online home insurance quote. However, a discount is available if you buy a combined buildings and contents policy.
As a standard, we automatically provide cover for accidental damage and breakage to specific items in your home for example damage to Home entertainment equipment and breakage of mirrors and fixed glass. Full Accidental Damage cover is available for an additional cost to cover most of your contents.
Not under our standard contents policy, but if you add our “Personal Possessions” cover you can protect everyday items that you take outside your home (such as clothing, jewellery, watches, MP3 players, cash and credit cards, specs and mobile phones) against accidental damage, loss, theft or even if you unintentionally leave them in a shop, restaurant or on a train etc. We will even cover your items that you take on holiday abroad.
All domestic garages, outbuildings, sheds, extensions and conservatories are covered under the Buildings section of the home insurance policy. You should make sure that your buildings sum insured includes the rebuilding cost of these structures.
We are unable to offer cover only for personal possessions away from the home. This can only be purchased as an additional cover to home contents insurance.
The buildings cover on your current home will continue while the property is on the market. However, please note that a number of exclusions automatically apply when the property has been left unoccupied for more than 30 consecutive days. Details of these exclusions are listed in your home insurance policy booklet, but please call us if you would like more information and to confirm details of your new correspondence address.
We are able to provide buildings cover for your new home between the exchange and completion dates (up to a maximum of 45 days), so please call us to arrange this cover.
Your buildings insurance should cover the full rebuilding cost of your home (including garages and outbuildings), and not the market value which could be very different. As assessing the full rebuild cost of your property can be difficult, we have designed our insurance to be as straightforward as possible. That's why as standard our buildings insurance provides cover for up to £250,000. On occassions we may feel that our standard limit of buildings cover is inadequate, in which case we will show an estimate of what the minimum actual rebuilding costs should be. The rebuild figure is based on the location, size and age of your home and is intended as a guide only. If you are unsure what the rebuilding cost should be, we recommend that you seek professional advice from a qualified surveyor. If you need a higher sum insured, you can increase the levels using the "Change Sums Insured button" on the quotation page.
Your contents insurance should cover the cost of replacing all your household goods and personal belongings as new. As it can be difficult to assess this cost, our contents insurance automatically offers cover for up to £40,000. On occassions we may feel that our standard limit of contents cover is inadequate, in which case we will show an estimate of what the minimum replacement costs should be. The replacement figure is based on the size and type of your home and is intended as a guide only. If you need a higher sum insured you can increase the levels using the "change sums insured" button on the quotation page.
No, Churchill home emergency legal protection is a supplementary product which can be purchased with the home insurance policy.
Churchill home emergency legal protection provides up to £50,000 of legal costs to pursue claims such as personal injury, employment disputes, contract disputes and property disputes.
You only pay the annual premium for home emergency legal protection - there is no excess to pay and if you make a claim, this does not affect the no claims discount on your home insurance policy
You can select a voluntary excess of £0, £60, £75, £100, £150 or £200. Selecting a higher excess will reduce your premium. To change your voluntary excess level please select the "change sums insured" button on the quotation page. Certain compulsory excess levels also apply.
You may be offered the option to pay for your home insurance by monthly instalments, subject to our standard eligibility criteria. If you are eligible, you are able to choose the date we apply for your monthly instalments – if you would prefer to do this please contact us. If you are not eligible for monthly instalments we can accept payment from your credit or debit card or by Direct Debit in one lump sum.
We do allow you to pay with someone else's card if you have their permission.
To update a claim, please phone us on contact us.
