Churchill home insurance

Churchill offers two types of home insurance cover: Home Insurance and Home Plus. Both forms of cover include buildings insurance and contents insurance, though Home Plus generally offers a higher level of cover and includes more benefits as standard.

Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying home insurance, we recommend you check the cover and benefits included.

Home insurance from Churchill usually includes:

• Buildings sum insured of £1m
• Up to £25,000 for alternative accommodation under the buildings cover or up to £15,000 under the contents insurance part of the policy
• Tracing and accessing leaks in the house cover to £5,000
• Property owners’ liability of £2m, covering you against claims for personal injury or property damage from third parties
• Contents sum insured of £50,000
• Up to £2,000 of cover for each item inside your home
• Cover for items temporarily taken out of the home, up to £5,000 in total. A single article limit of £2,000 applies
• Personal liability insurance of up to £2m
• Employer's liability to £5m
• Contents in the garden including plants and landscaping (cover limits apply)
• Loss or theft of house keys cover.

Home Plus from Churchill offers additional cover that includes:

• Unlimited buildings sum insured and up to £100,000 of contents insured
• Up to £50,000 for alternative accommodation under the buildings cover or up to £30,000 under the contents insurance part of the policy
• Tracing and accessing leaks in the house cover to £10,000
• Property owners’ liability cover of £5m
• Matching Sets and Suites for both buildings and contents – this means if an item in a matching set was damaged, your policy will cover the cost of replacing the whole set
• Accidental damage cover for buildings and contents, protecting you against the costs of repairing or replacing something that's been damaged or destroyed in an accident
• Cover for items temporarily taken out of the home to £10,000
• Personal liability insurance to £5m
• Employer's liability to £10m
• Personal possessions cover of £5,000 to protect your personal items when outside the home – including loss or theft of cash up to £1,000 and bicycle cover to £1,000. A single article limit of £4,000 applies
• Legal expenses cover to £100,000 and access to a 24-hour legal helpline
• Home Emergency cover of up to £500 per callout
• Cover for contents in the garden including plants and landscaping (cover limits apply)
• Loss or theft of house keys cover.