Home insurance

Buy online and save 35%

Introductory offer is for combined buildings and contents insurance, which excludes optional covers. Minimum premiums apply and this offer excludes SELECT Premier.

We're proud of our customer reviews and 5 star Defaqto rating for home insurance.

Defaqto is an independent researcher of financial products

defaqto 5 star

What is home insurance?

Home insurance cover comes in two parts: buildings (damage against the house itself) and contents (damage to possessions within the home).

Although buildings and contents can be bought separately, our introductory offer means combining them can work out cheaper when you buy online.

Why choose Direct Line?

Choose how your policy pays out

If your items have been stolen or damaged beyond repair, you can choose between cash or brand new replacements.

Items must be stolen or damaged beyond repair. Cash limited to the cost of the replacement to Direct Line. Cover limits apply. Delivery available to UK mainland only. Excludes jewellery.

Free 24/7 UK emergency helpline

Our home emergency helpline is here for when you need us.

Emergency plumber within 3 hours

With Home Insurance Plus, if you have an uncontrollable leak in the house, the call out service for an emergency plumber is covered.

Excludes Highlands and Islands. Extreme weather conditions may extend response time. Terms and cover limits apply.

What are the options?

We offer three types of home insurance.

  1. Our standard Home Insurance includes the essentials, with an option to add on extras so you can put together the right level of cover for you.
  2. Home Insurance Plus offers a higher level of cover on most benefits, and packages them all together so you have complete peace of mind.
  3. SELECT Premier is our highest level of cover. It's specifically designed for higher-valued homes, to insure the things you value most.

Compare the options

Buildings and contents insurance

Home Insurance
Home Insurance PLUS
SELECT Premier
Buildings insurance i Protect the main structure of your home and receive cover if you need to rebuild or repair it after a fire, flood or theft. X
Up to £1million
Unlimited
Unlimited
Contents insurance i Covering the value of all your possessions in the home. X
Up to £50,000 (UK only)
Up to £100,000 (UK only)
From £100,000 (worldwide)
Trace and access i Replacing any parts of the building that were removed to help get to escaping water. X
Up to £5,000
Up to £10,000
Up to £15,000
Alternative accommodation i For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event. X
Up to £25,000
Up to £50,000
Unlimited for up to 3 years
Sets and suites i Repairing or replacing an entire set, suite, group or collection of items. X
Included
Included
Included
Annual travel insurance i Includes emergency overseas medical expenses and cancelling a journey. X
Not included
Included
Optional
Personal possessions i Cover for portable items that you take out of your home, like laptops and mobiles. X
Optional
Included
Included

Additional cover

Accidental damage i Covers situations like accidental damage to underground cables, fixed glass and drilling through pipes. X
Optional
Included
Included
Home emergency i Covers emergencies that occur in your home like broken boilers, faulty locks and uncontrollable water leaks.
 X
Optional
Up to £500
Up to £750
Family legal protection i Provides a 24/7 helpline and up to £100,000 cover for claims including contract disputes, personal injury and motoring prosecution. X
Optional
Included
Included

Policy documents

Just answer a few simple questions and you'll have access to copies of our home insurance policy documents

What our customers think

We're proud of our 5-star Defaqto rating for home insurance, and even more so with what our customers had to say about their experience with us.

Defaqto is an independent researcher of financial products

defaqto 5 star
Ease of purchase 9.2
Value for money 9.1
Overall rating 9.0

Score is 9.0 out of 10 based on 5314 reviews.

Read more reviews

Good Points
Price, high pay out limits.
Bad Points
Travel cover stops at 65.

David, Falkirk

Confirmed purchase: 2017-04-18
Published on: 2017-04-28

Tips & advice

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Things you need to know about Over 50s life insurance:
Premiums stop after your 90th birthday but you still enjoy cover for the rest of your life. In the first year, if you die from natural causes we will refund any premiums, or if you die as a result of an accident, we will pay your cash sum. After the first year regardless of the cause of death we will pay your cash sum. Depending on how long you live, the total sum paid in premiums may be more than the cash sum payable on death. If you stop paying your premiums before the end of your policy your cover will stop 30 days after your missed premium and you won’t get anything back. This isn’t a savings or investment product and has no cash value unless a valid claim is made. Inflation will reduce the buying power of your cash sum in the future.

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