10% of new customers paid £111 for buildings and contents combined cover, between 1st December 2023 and 31st March 2024. Excludes optional extras and premium finance. Premiums are based on individual circumstances.
Based on reviews of all products
Whether you’re looking for caravan or motorhome insurance to cover the home you take on the road, or home insurance that protects the one you come back to after you’ve finished exploring, we know that home insurance isn’t one-size-fits-all. Whichever type of home you’re looking to cover, we offer a range of policies to choose from. Drawing on 30 years of experience providing caravan and motorhome insurance, we’re here to help you find home insurance that’s right for you.
Home Insurance can protect your home and possessions when the unexpected happens, as well as cover you against damage and loss due to things like fires, floods, and storms. When selecting your policy, you can choose from 3 types of Home Insurance; Combined, Buildings only, or Contents only, and 3 levels of cover, depending on your protection needs.
With a combined Home and Contents Insurance policy through Safeguard, your home will be covered both externally and internally, making it the highest level of protection that we can offer. Depending on what your needs are, our combined policy could work out to be cheaper and more convenient, and it will cover both buildings and contents under one simple Home Insurance policy. Alternatively, you can choose an insurance policy which covers just one aspect of your home i.e. Buildings or Contents.
If you own your home or have a mortgage, Buildings Insurance covers what will likely be the most expensive thing you own, so it's a great idea to protect it. Contents Insurance covers the things that are in your home, so should the worst happen, you can get back on your feet and replace the things that make your house a home.
Our combined Home Insurance includes Buildings and Contents Insurance under one simple policy. Choose from 3 levels of cover, please refer to policy wordings for exact cover.
Benefit | Bronze | Silver | Gold |
|---|---|---|---|
Choose a buildings sum insured to meet your needs | £500,000 to £1.5million | ||
Choose a contents sum insured to meet your needs | £50,000 to £100,000 | ||
Accidental Damage | Optional | Optional | |
Home Emergency | Optional | Optional | |
Alternative accommodation cover and loss of rent | £30,000 | £50,000 | £100,000 |
| Homeowner's Legal Responsibilities | £1 million | £2 million | £2 million |
Lost or stolen keys | £250 | £1,000 | £1,500 |
Freezer contents | £250 | £500 | £1,000 |
Finding and accessing leaks in the home | £2,500 | £5,000 | £10,000 |
Money in the home | £250 | £500 | |
Theft from outbuildings | £2,500 | £5,000 | |
Contents in the garden | £1,000 | £2,500 | |
Business equipment | £5,000 | £10,000 | |
Legal Protection | Optional | Optional | |
Matching sets cover | |||
Student belongings | £5,000 | ||
Personal Accident | £5,000 | ||
Bronze
Policy wording (PDF
- 704 KB)
Buildings Insurance covers the cost of repairing the physical structure of your property. Think everything from your walls and roof to garages, sheds and fixed items such as your kitchen units and bathroom suite. Even your home's décor can be covered. Should the worst happen, such as a fire or a flood, and your home becomes unliveable, it also provides alternative accommodation whilst repairs are carried out. Buildings Insurance will help protect what will most likely be your biggest investment, your home.
| Key benefits | Bronze | Silver | Gold |
|---|---|---|---|
| Maximum sum insured (Choose a limit to suit your needs) | £500,000 to £1.5million | ||
| Alternative accommodation cover | £30,000 | £50,000 | £100,000 |
| Accidental Damage | Optional | Optional | |
| Home Emergency | Optional | Optional | |
| Lost or stolen keys | £250 | £1,000 | £1,500 |
| Finding and accessing leaks in the home | £2,500 | £5,000 | £10,000 |
| Property owner's liability | £1 million | £2 million | £2 million |
| Legal Protection | Optional | Optional | |
| Emergency Access Gardens & Buildings | |||
| Matching sets cover | |||
Contents Insurance covers your possessions in your home if they’re damaged or destroyed by things such as flood, theft, or fire. Think of contents as the things you’d take with you if you moved house, such as your furniture, clothing, kitchen appliances, and electrical devices.
| Key benefits | Bronze | Silver | Gold |
|---|---|---|---|
| Maximum sum insured (Choose a limit to suit your needs) | £50,000 to £100,000 | ||
| New for old | |||
| Accidental Damage | Optional | Optional | |
| Alternative accommodation cover | £10,000 | £20,000 | £30,000 |
| Lost or stolen keys | £250 | £1,000 | £1,500 |
| Personal liability | £1 million | £2 million | £2 million |
| Tenants liability | £5,000 | £10,000 | £15,000 |
| Freezer contents | £250 | £500 | £1,000 |
| Money in the home | £250 | £500 | |
| Theft from outbuildings | £2,500 | £5,000 | |
| Contents in the garden | £1,000 | £2,500 | |
| Business equipment | £5,000 | £10,000 | |
| Legal Protection | Optional | Optional | |
| Matching sets cover | |||
| Student belongings | £5,000 | ||
| Personal Accident | £5,000 | ||
Home Emergency Insurance provides cover for work undertaken by an authorised contractor to resolve a sudden and unforeseen incident in your home. For example, Home Emergency Insurance could come into play when you or someone else is exposed to health risk, or there’s a risk of loss or damage to your home or any of your belongings, making your home uninhabitable.
Examples of home emergencies would include heating and hot water failure, or failed electrics like wiring to immersion heaters/boilers, or bathroom lights breaking.
Legal Protection Insurance provides cover for legal costs, if you were to take legal action in the pursuit or defence in situations such as clinical negligence, employment disputes or claims relating to property issues, to name a few.
Excess Protection, also known as Home Excess Reimbursement Insurance, means you will get repaid the amount of policy excess you have to pay, up to your policy limit, when you make a successful claim under your Home Insurance policy.
We aim to make it simple and easy to get a Home Insurance quote. Just tell us a bit about you, your home, and what cover you need, and we’ll do the rest.
Need to make a claim on your Safeguard Home Insurance policy? We understand that needing to make a claim is stressful, so we’re here to help. We’ve created a simple step-by-step process you can follow.
No, you won’t need to take out Buildings Insurance if you rent your home, that would be something the landlord needs to do. However, as a renter, it’s good to consider Contents Insurance to protect what’s yours in your home.
Check your policy wording but things such as:
With our Contents Insurance, the maximum amount that the insurer will pay out per item is £2,000. If you have items like designer handbags, consider telling us as you may need extra cover. These items are referred to as ‘high-risk’.
Buildings Insurance covers the physical structures of your home if they’re damaged and need rebuilding or repairing.
Contents Insurance covers the cost of replacing your belongings in your home if they’re stolen or damaged, think of them as the items you can pick up and take if you moved house.
While similar to standard Home and Contents Insurance, our Park Home Insurance policies are specifically designed for legislation relating to detached, bungalow-style homes built on pitches.
Learn more about Park Home Insurance
Because motorhomes are classed as vehicles, they legally require insurance to drive on the road. We understand the needs you may have, so when you get your Motorhome Insurance quote through Safeguard, we can provide breakdown cover, windscreen repair, contents cover and annual EU cover.
Protect your static or touring caravan, and the memories that come with it. With Safeguard Caravan Insurance, you can get cover for weather damage, contents insurance, public liability cover, EU cover for touring caravans, and much more.
Learn more about Caravan Insurance
