More Than home insurance

Learn more about More Than home insurance

More Than home insurance logo

Last reviewed 07 October 2022

Why choose More Than home insurance?

  • Up to £7,500 of home office cover
  • 24/7 home emergency helpline
  • Up to £200 home emergency assistance as standard

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Who is More Than home insurance?

More Than was founded in 2001 under the slogan 'Don't accept less than More Than'.

It's part of the RSA Insurance Group, formerly Royal & Sun Alliance, and employs thousands of staff around the UK.

More Than claims to focus on providing great customer service, which it does via small teams who are given the freedom to 'deal with customers in a more personal way'.

As well as home insurance, More Than also offers car, travel, pet and life policies. You can even arrange your mortgage and car finance with More Than, or go to them for a personal loan.

More Than home insurance policy levels

More Than's home insurance is available as one combined policy that covers both your buildings and contents.

Or you can take out separate buildings insurance and contents insurance with them.

All of More Than's home insurance products are available in two cover levels:

  • Primary
  • Upgraded

More Than Primary policy details

More Than's Primary contents insurance comes with:

More Than's Primary buildings insurance comes with:

  • Up to £1 million repair or rebuild cover
  • Up to £30,000 alternative accommodation cover
  • Up to £200 home emergency assistance*
  • Up to £1,000 to cover the cost of replacing home keys and locks
  • Up to £1 million of legal expenses cover


    *With a company authorised by More Than

    More Than Upgraded policy details

    More Than's Upgraded contents insurance comes with everything its Primary policy does, as well as:

    • Increased contents cover month pre and post a special event
    • Up to £2,000 garden contents cover including lawnmowers, tools
    • Up to £2,000 of cover for trees and other plants
    • Up to £11,250 of cover for your kid's contents while studying away 

    More Than's Upgraded buildings insurance comes with everything included on it's Primary policy, as well as:

    • Enhanced alternative accommodation cover of up to £100,000
    • Up to £5,000 to remove or replace any part of the building damaged by a heating or water system leak

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    More Than home insurance optional extras

    More Than's straight-from-the-box policies not quite covering what you need them to? Their range of policy extras can be added on to your cover for a fee, and include:

    • Holiday money cover
    • Legal services cover
    • Accidental damage cover
    • Personal possession cover
    • Home emergency cover
    • Bicycle insurance

    Holiday money cover of up to £500 while you're abroad if your cash or credit card is lost or stolen. The cover applies for trips abroad of up to 60 days.

    Legal services assistance, giving you access to online templates to create legal documents such as wills, which you can submit for review by a legal expert. You'll also get access to legal advice for all manner of issues, including property disputes, tenancy agreements and employment issues.

    Accidental damage cover for your building or contents, including carpets, computers and furniture.

    Away from home cover, also known as personal possessions insurance, for mobile phones, tablets and jewellery worth less than £1,000. You can upgrade this policy to a high value insurance policy that'll allow you to cover more valuable items too. 

    Home emergency cover of up to £1,000 to fix your electrical or central heating system in the event of a failure or other claimable problem, such as a water leak. It also covers repairs to your roof as well as your home’s plumbing and drainage systems.

    Bicycle insurance of up to £2,500 if your or your family’s bicycles are damaged or stolen either at home or while you’re out and about in the UK or abroad

    How to contact More Than home insurance

    If you’d like to contact More Than you can write to:

    More Than Customer Relations Team,
    PO Box 255,
    NR18 8DP

    Claims can be made by calling 03301 007 783 8am to 8pm, Monday to Friday or 9am to 5pm on Saturdays.

    During a home emergency, you can reach their 24-hour Home Emergency Helpline on 0800 300 684.

    Or, to manage your home insurance policy call 03301 023 627.

    If you’re hard of hearing or have speech difficulties, you can also use Textphone by Relay UK by adding 18001 before dialling.

    Alternatively, you can email the customer relations team at

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