Policy Expert home insurance

Policy Expert 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

Policy Expert offers three types of home insurance - buildings insurance, home contents insurance, or buildings and contents insurance combined. Buildings insurance covers you against damage and loss to your building, including outbuildings, exterior and interior walls, roofs and flooring. Contents insurance protects you against loss, damage or theft of your belongings.

Policy Expert offers three different levels of home insurance cover for combined building and contents, and stand alone buildings and contents – Bronze, Silver or Gold.

With Gold you get:

• Buildings insurance for homes worth up to £1 million
• Contents cover up to £100,000
• £150,000 alternative accommodation cover if your home can't be lived in due to an insured event
• Accidental damage to glass and sanitary fittings (including toilets and sinks)
• Up to £1,000 to replace locks or keys in the event of theft or loss.
• Cover for personal money of up to £1,000
• In-and-away-from-home cover for credit cards of up to £1,000
• Deep freezer contents cover, to £750
• Outbuildings contents cover up to £5,000
• Up to £1,000 for your garden contents
• Bicycle cover within the boundaries of your property, up to £3,000
• Business equipment cover, up to £5,000
• £5 million of property owners liability cover, for personal injury or property damage caused to third parties.

With Silver you get:

• Buildings insurance for homes worth up to £1 million
• Contents cover up to £75,000
• £100,000 of alternative accommodation cover if your home can't be lived in due to an insured event
• Accidental damage to glass and sanitary fittings (including toilets and sinks)
• Up to £500 to replace locks or keys in the event of theft or loss.
• Cover for personal money of up to £250
• In-and-away-from-home cover for credit cards of up to £1,000
• Deep freezer contents cover, to £500
• Outbuildings contents cover up to £2,500
• Up to £350 for your garden contents
• Bicycle cover within the boundaries of your property, up to £1,000
• Business equipment cover, up to £1,000
• £2 million of property owners liability cover, for personal injury or property damage linked to your home

With Bronze you get:

• Buildings insurance for homes worth up to £600,00
• Contents cover up to £60,000
• £75,000 alternative accommodation cover if your home can't be lived in due to an insured event
• Up to £300 to replace locks or keys if lost or stolen
• Cover for personal money up to £250
• In-and-away-from-home cover for credit cards of up to £1,000
• Deep freezer contents cover, to £300
• Business equipment cover, up to £500
• £2 million of property owners liability cover, for personal injury or property damage in relation to your home that’s caused to third parties

Policy Expert’s Gold and Silver home insurance can give you particularly high levels of cover for buildings, at up to £1 million. However, the £600,000 of buildings cover you get with Bronze will still be more than enough for most people. It’s worth noting that Policy Expert will guarantee all repair work on your home for 12 months.

While they do vary, it’s also good to know that Policy Expert buildings insurance policies come with decent levels of alternative accommodation cover. So, you’ll have somewhere to stay should the worst happen, like fire or flood.

Total contents cover is £60,000 with Bronze, rising to £75,000 with Silver and £100,000 if you choose Gold.

Gold and Silver Policy Expert home contents insurance includes handy benefits such as contents cover for your outbuildings, garden and bicycle.

All Policy Expert’s home contents insurance comes with in-and-away-from-home cover for your credit cards of up to £1,000. For certain things like business equipment, you’ll find there’s a significantly higher level of cover if you choose Gold, which in this case allows you to claim up to £5,000.

Silver and Gold policyholders also get 12 months of free home emergency cover along with free legal assistance for the lifetime of the policy.

You should think about the level of cover you need from Policy Expert home insurance and what you want to be insured for so you select the most suitable product for you.