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Halifax home insurance

Learn more about Halifax home insurance

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Last reviewed 21 September 2022

Why choose Halifax home insurance

  • Pay monthly for no extra cost
  • 10% discount for an online quote
  • Three levels of home insurance cover

Compare home insurance quotes from up to 64 insurance companies

Who is Halifax?

Halifax was formed as a building society in 1853, and grew to be the largest of its kind by 1913. It’s since become one of the major global banks, after converting to a bank in 1997.

Halifax is now a division of Bank of Scotland, with its home insurance policies underwritten by Lloyds Bank General Insurance. The company offers a range of financial services, including:

  • Car and life insurance
  • Credit cards
  • Loans
  • Investments

Halifax has attracted attention from some of the UK’s leading analysts and reviewers.

Its Home Insurance policy achieved a five-star rating from Moneyfacts for product quality in 2022. Likewise, its Silver and Gold policies received five stars from independent financial analyst Defaqto.

Halifax home insurance policy details

Halifax offers a selection of home insurance policies and types. 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.

Buildings and contents insurance benefits include:

  • Full home rebuild
  • Contents covered up to £50,000 with Bronze, £100,000 with Silver and £250,000 with Gold
  • Cover for accidental damage to the structure of your home with Silver and Gold policies
  • Legal expenses cover with Silver and Gold policies, up to £50,000

Buildings Insurance benefits, depending on the level of cover you choose, may include:

  • Full house rebuild
  • Garden plant cover up to £1,000
  • Standard excess of between £100 and £500
  • Blocked drains cover up to £1000
  • Temporary accommodation cover up to £100,000
  • If your home's damaged by the emergency services, you’re entitled to claim for a full rebuild cost, except for damage to trees plants and scrubs, which are limited to £1,000
  • Full rebuild following accidental damage with Silver and Gold policies
  • Legal expenses cover with the Silver and Gold policies – up to £50,000
  • The excess for damage caused by leaking water is £500 with Bronze and Silver policies or between £100 and £500 with Gold, depending on your selection
  • Subsidence excess is £1,000 with Bronze and Silver or your selected standard excess with Gold

Contents Insurance benefits, depending on the level of cover you choose, may include:

  • Spoiled frozen food cover up to £500
  • Up to £500 if an accident causes loss or damage to any house guest’s property
  • Up to £500 if you have cash stolen from your home
  • Up to £2,500 for replacing lost important documents like your deeds or passport
  • Up to £1,000 if your water pipes blow to cover the loss you suffer
  • Up to £5,000 for goods damaged or lost from an outbuilding such as a shed or a garage
  • Up to £1,000 for garden or balcony items, including plant pots and garden ornaments
  • Accidental damage up to £100,000 with Silver and £250,000 with Gold
  • Legal expenses cover up to £50,000 with Silver or Gold policies
  • Contents cover of £50,000, £100,000 or £250,000 with Bronze, Silver or Gold insurance

Halifax optional extras

As well as the standard features of a Halifax home insurance policy, you can also pay for extra cover, including:

  • Away from home cover protects items you have with you when travelling. It includes students' contents in college accommodation. If you've named any high value items, you can also cover these. Levels of cover vary, but if you opt for the combined buildings and contents insurance, you can arrange for between £1,00 and £25,000 of protection.
  • Home emergency cover provides up to £1,000 of protection against emergency repairs that wouldn't normally be covered by your home insurance. You'll have access to a 24/7 helpline for problems such as your boiler breaking down or a power failure. This optional extra comes with no excess charge.
  • Accidental damage and legal expenses are included as standard on Silver and Gold Halifax home insurance policies. But they’re available as add-ons to Bronze policies too.

Contact Halifax

If you want to contact Halifax home insurance you can write to the company’s headquarters, which are located at:

PO Box 548

To get a quote or switch home insurance, you can call Halifax on 0345 982 5347. If you need to make a claim, you can call 0345 600 6001. Halifax also operates a 24/7 emergency helpline, which can be reached at 0345 672 2803

Better deals, better rewards
  • Save up to £172* on your home insurance
  • Plus choose a free gift with Confused.com Rewards**

It’s a win-win.

How to claim a reward

*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (January ’23). 51% of home insurance customers could save £172.55 on a combined policy.
**Single annual policy. Shell Go+ account required. Only one £10 fuel reward can be used per transaction and each can only be used on fuel purchases of £10 or over. HelloFresh 18+ subscription service. Geographical exclusions apply. T&Cs apply