down-arrow icon

Home Insurance

Our cover is rated five-star by Defaqto
Silver and Gold levels of cover tailored to suit your needs
Home Emergency & Family Legal Protection optional add-ons to help you when it matters most

chevron-right icon down-arrow icon

Have a policy with us already?

Login or retrieve a quote

Use our Self-Service Centre to manage your quotes, and access your home insurance documents

Make a Claim

You can do this via the online eClaim option or alternatively please call the Home claims line on 0345 165 0915, anytime 24/7 

Why choose Post Office Home insurance?

  • Legal

    Extra reassurance with our Legal Helplines Service for everyone~


    Your home isn’t just a building. It’s a lifestyle, from the little things inside to the little people who grow up there. And our Legal Helplines Service offers advice dealing with neighbourly disputes to bereavement counselling, to support you and yours.

  • Levels of Cover

    Choose which level of cover suits you best

    No two homes are the same, so we don’t have a one-size-fits-all policy for our Home insurance. We have 2 cover levels – Silver and Gold which both have a 5* Defaqto rating.

  • call-centre

    UK call centres and anytime claims line

    You never know when the unexpected might happen. Often at weekends and even on Christmas Day. So our claims lines are open 24/7, 365 days a year. And all our call centres are based in the UK.

  • Flexible

    Cover limits to suit your needs

    Our buildings cover goes up to £1m for both our Silver and Gold cover, and you can choose contents cover from £80k to £100k. You can find the details of these in our tables below.

  • star icon

    Our five-star Defaqto rating

    Defaqto is an independent unbiased leading financial information ratings body who helps customers make better informed decisions and have rated our Silver and Gold policies as 5 Star - which means they are both an excellent product with a comprehensive range of features and benefits.

  • Laptop

    Easily manage your account

    Our online self-service centre gives you instant access to all of your policy documents in one place.

chevron-right icon

What's covered in our Home insurance?

We have two different cover levels of home insurance to suit your needs.

For full details of what's covered and what’s not covered read our policy booklet and for more information read our Home Insurance policy terms and conditions.





  Post Office 5 Star Defaqto
Post Office 5 Star Defaqto

Buildings Insurance

Buildings sum insured

The maximum amount you can claim for

Up to £1,000,000 Up to £1,000,000

Rent and alternative accommodation

Cost of somewhere to stay if your home cannot be lived in

Up to £200,000 Unlimited

Additional Accidental Damage

Covers for damage that is unexpected and unintended, caused by something sudden and which is not deliberate

Not included, but available as an optional add-on to your policy Included

Contents Insurance


The maximum amount you can claim for

Up to £80,000 Up to £100,000

Valuables inside the home

The limit on belongings such as jewellery, ornaments and works of art

Up to £24,000 Up to £30,000

Valuables single item limit

The maximum we will pay out on a valuable item

Up to £2,500 Up to £2,500

Additional Accidental Damage

Covers for damage that is unexpected and unintended, caused by something sudden and which is not deliberate

Not included, but available as an optional add-on to your policy Included

Away from home cover

Covers you for possessions, like your money and mobile when you take them away from home

Not included, but available as an optional add-on to your policy Up to £3,000

Matching sets

Covers a matching pair, set or suite of furniture, soft furnishings , fitted furniture, bathroom suite or fitted kitchen if damaged by something covered by this policy

Not included Included

circle-outline icon

Extra cover for your priorities


We all have different priorities about what’s important to us and what we’d like to cover. For an additional fee, we have two products that you may like to add as extra cover for you and your home.


Home Emergency*

No one can predict when an emergency will strike, so with this extra cover, we offer immediate help if there’s further danger to your property or the people in it.


Family Legal Protection*

This provides legal advice and guidance for dealing with legal issues, and representation where appropriate.

chevron-right icon down-arrow icon

Choose buildings cover, contents cover or both


Whatever stage you’re at in life, protecting what matters most to you is a must. So if you’ve just bought your first house and moved everything in, or you’re packing up to move into a student flat, it’s important to protect what’s yours.


Buildings insurance

This protects the physical building and its features.

Contents insurance

This is cover for everything inside a building that isn’t part of its structure or its fixtures and fittings.

check icon cross icon chevron-right icon down-arrow icon

Buildings vs Contents

Buildings Insurance

  • Covers the physical structure of your building
  • Protects the building and its fixtures that can’t be taken anywhere
  • Covers against, flooding, leaking water, theft and attempted theft, subsidence or malicious damage to the fabric of the building
  • Covers the cost of the building up-to £1m

Contents Insurance

  • Covers the items inside which aren’t a part of the building’s structure
  • Covers your contents against the same perils as buildings, as well as theft of possessions
  • Covers the cumulative value of your contents – up to £100,000 for Gold policies and £80,000 for Silver policies
  • Protects the things you’d take with you if you were to move
plus icon minus icon chevron-right icon

Home Insurance FAQs

chevron-right icon
circle-outline icon chevron-right icon phone icon online-application icon

What do you need help with?

A New Policy

Call us on 0333 44 39 848**
It’s also quick and easy to get a quote
online today.

An Existing Policy

Need to make a change or speak to us.


~The Legal Helplines Service is provided by DAS Law Limited and/or a range of specialist providers on behalf of DAS Services Limited (DAS).

*Post Office Family Legal Protection (FLP) and Home Emergency (HE) enhanced cover is underwritten by DAS Legal Expenses Insurance Company Limited (DAS).

**Calls to 03 numbers will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider. Calls may be monitored or recorded for training and compliance purposes.


Small print

Post Office Management Services Limited is authorised and regulated by the Financial Conduct Authority, and is registered in England and Wales. Our financial services registered number is 630318. The registered office for Post Office Management Services Limited is Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Our Registered Number is 08459718.