Home Insurance

Home and contents insurance protects the place you love best and your personal possessions against damage or loss. You can sleep easier knowing that should the worst happen, you’re covered for major risks like fire, flood and theft.

We can guide you through the process, letting you choose policies to match your individual needs, budget and circumstances.

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I own a building and want to insure against structural damages.


I want to insure the belongings I have in my home.

Buildings & Contents Insurance

If your property is damaged or made uninhabitable by an insured event such as a fire, storm, flood, subsidence or burglary, the cost of repair is covered to return the property to its normal condition.

Moreover, the cost of replacing all of the contents within your home would also be covered. Where possible, damaged household goods and/or personal effects will be replaced as new if it’s not possible for them to be repaired.

What's Included?

The replacement of any lost or stolen keys and locks changed if required to keep the home safe and secure.

Up to £2000 cover for electronic downloads i.e. music or videos.

Up to £5000 for tracing and accessing leaking water or oil from pipes, tanks and fixed heating systems.
Replacing food in the freezer that has been spoilt by an accidental change in temperature in your freezer.
Contents covered up to £500 in the open, within the grounds of the home, up to £2,000 for loss or damage to plants, shrubs and trees in the garden and up to £3,000 for theft of contents from outbuildings.

For family and pets should the house become uninhabitable after an insured event.

24-hour helpline to assist with emergencies such as boiler breakdowns, broken windows and leaking pipes. If necessary, we’ll also send out a qualified professional to complete any work.

Optional Extras

Accidental damage to buildings and/or contents cover.

Insures against accidental loss or damage to items normally worn or carried away from the home, including mobile phones, clothes, bags and sports equipment, jewellery and watches, pedal cycles and keys and spectacles.*

*Limits apply

Up to £100,000 of assistance for customers and their family in the event of a range of legal disputes, including employment disputes, bodily injury and clinical negligence.

Round the clock assistance for a range of domestic disasters.

Speak to an expert

Speak with our friendly. award-winning team to find the right solution for you and your family.

What's Covered?

Still Struggling?

Our short explainer video will guide you through the basics of home insurance, answering questions such as ‘What is home insurance?’, ‘Why do people have it?’, and ‘How does home insurance work?’.

Length 2m 49s

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Some Questions?

These can be tailored, but typically you can expect the following from the product provider:

  • Buildings insured up to £500,000 as standard
  • Contents insured up to £50,000 as standard
  • Single unspecified item limit up to £5,000
  • Personal liability cover of up to £2 million

Paymentshield offer a 2 year no claims discount for first-time buyers and up to 5 years if transferring your entitlement from another provider.

Optional cover can be taken out with a contents insurance policy to cover a range of items from jewellery, clothes, musical instruments and bicycles to cameras, laptops, mobile phones and MP3 players. Please refer to the policy terms and conditions for the specific cover limits.

The building and/or contents are covered if damaged by: (subject to the standard policy conditions and sum insured limits)

  • Fire, smoke or explosion
  • Riots, civil commotion, labour & political disturbances or strikes
  • Malicious damage or vandalism
  • Impact or collision
  • Storm or flood
  • Subsidence or heave
  • Escape of water or oil
  • Theft or attempted theft
  • Lightning or earthquake

If you need to make a claim you can contact Paymentshield on 0345 601 1050 Monday-Friday: 8.00-19.00 or Saturday: 8.00-13.00. One of their Client Account Managers will take your details and transfer you through to the correct team. Once the details of your claim have been lodged, your specific underwriter will keep in touch to ensure you know what is happening.

If you have any issues before or during a claim, you can contact TopQuote directly on 0161 233 3110.


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