Home Insurance

We've got over 30 years of experience insuring you

Why should you choose Safeguard Home Insurance?

  • We know what we’re doing
    With over 30 years of experience selling Caravan and Motorhome Insurance, rely on us to understand what your insurance needs are.
  • A policy that suits you
    Fit your policy to your home, with a simple combined policy, or separate Buildings and Contents cover.
  • Help when you need it
    Our friendly team are here if you need help with your quote or policy, simply start a Live Chat or call our customer support team.

What our customers say...

Based on reviews of all products

Your home, wheels or no wheels, protected.

We're here to protect all of your homes - from the ones you can hit the open road with, to the ones you come back to once you've finished exploring. We recognise that your insurance requirements will be different for your house compared to your caravan or motorhome, so you can rest assured that our expertise will show through our policies and over 30 years of experience.

What is Home Insurance, and how does it work?

Home Insurance can protect your home and possessions when the unexpected happens, as well as 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 Insurance policy through Safeguard, your home will be covered both externally and internally, which makes it the highest level of protection that we can offer. Our combined policy could work out to be cheaper and more convenient, depending on what your needs are, and it will cover both under one simple policy. Alternatively, you can choose a policy which covers just one aspect of your home, Buildings or Contents Insurance.

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.

Get a quote online

Home Insurance through Safeguard in detail

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

£30,000

£50,000

£100,000

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

 

What’s covered with Buildings Insurance?

Buildings Insurance covers the cost of repairing the physical structure of your property. This covers from your walls to your roof, garages and sheds and fixed items such as your kitchen units and bathroom suite and even your home decoration. It also provides alternative accommodation should the worst happen, and your home become unliveable, such as following a flood. Buildings Insurance will help protect what will most likely be your biggest investment, your home.

Key benefitsBronzeSilverGold
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 DamageOptionalOptional 
Home EmergencyOptionalOptional 
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 ProtectionOptionalOptional 
Emergency Access Gardens & Buildings   
Matching sets cover   
buildings-470x353
contents-470x353

What’s covered with Contents Insurance?

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 benefitsBronze SilverGold
Maximum sum insured (Choose a limit to suit your needs)£50,000 to £100,000
New for old   
Accidental DamageOptionalOptional 
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 ProtectionOptionalOptional 
Matching sets cover   
Student belongings  £5,000
Personal Accident  £5,000

Our optional extras, explained.

Home Emergency Insurance provides cover for work undertaken by an authorised contractor to resolve a sudden and unforeseen incident in your home. For example, when you or someone else is exposed to a risk to health, 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 any policy excess you have to pay, up to your policy limit, when you make a successful claim under your home insurance policy.

Get a quote with us online or speak to our friendly team

We aim to make it simple and easy to get a quote. Just tell us a bit about you, your home, and what cover you need, and we’ll do the rest.

Get a quote online    0333 035 9118

How to make a claim on your Home Insurance

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.

Make a claim

Frequently asked questions 

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:

  • Unoccupied homes, any loss or damage caused by malicious acts, escape of water, theft or accidental damage when your home will be unoccupied or unfurnished for over 60 days.
  • Any loss or damage caused by deception unless the only deception is gaining entry to the home.
  • Computer viruses that damage laptops and computers.
  • Damp, as it’s seen as a general maintenance requirement of the property.

Our Contents Insurance has a maximum amount that the insurer will pay out per item of £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.

Others products we offer

park-home-350x265

Park Home Insurance

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. Cover your park home fully with an expert quote sourced by Safeguard. 

Learn more about Park Home Insurance
motorhome-350x265

Motorhome insurance

Because motorhomes are classed as vehicles, they legally require insurance to drive on the road. We understand the needs you may have, and can provide you cover for if you breakdown, windscreen repair, contents cover and annual EU cover - when you get your Motorhome Insurance quote through Safeguard.

Learn more about Motorhome Insurance

Caravan-360x265

Caravan Insurance

Protect your static or touring caravan, and also 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