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Home insurance

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Unlock our introductory offer for combined contents and buildings insurance.

Excludes optional extras, SELECT Premier and minimum premiums apply.

Get a quote Learn more Excludes Highlands and Islands. Extreme weather conditions may extend response time. £450 Escape of Water excess applies. Underwritten by U K Insurance Limited.

We're proud of our customer reviews and Defaqto 5 Star Rating for home insurance.

Defaqto is an independent researcher for financial products

Why do I need home insurance

Having home insurance means you won’t be out of pocket if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.

It comes in two parts: buildings insurance (cover against damage to the house itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.


What makes us different

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

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

If you’re getting hitched, having a baby or celebrating a key religious festival, we’ll increase the cover by 10% in case your belongings are damaged or stolen.

Increase is valid for 30 days before and 30 days after the event. Must be a religious festival you celebrate.

If you have an uncontrollable leak in the home, the call-out service for an emergency plumber is covered when you have Home Insurance Plus.

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


Our cover levels

Contents insurance only
This is ideal if you rent your home. It covers items inside the house, garage, shed and garden.
Buildings insurance only
This covers the cost to rebuild or repair the structure of your house, as well as fixtures and fittings.
Contents and buildings insurance combined
If you own your property, combining both options can often work out cheaper.

Select a Home Insurance product

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Our standard Home Insurance includes all the essentials you need, with the option to buy and add extra benefits so you can build a level of cover that really works for you.

What's included

Optional extras

Buildings cover

Up to £1 million for damage or loss to your walls, roofs, driveways and patios, as well as permanent fixtures such as kitchen units, bathroom fittings and fitted wardrobes.

Contents cover

Up to £50,000 for your household goods on a new-for-old basis, including furniture, carpets, home entertainment equipment, frozen foods and business equipment.

Trace and access

Up to £5,000 for cost of replacing any parts of the building that were damaged to help get to escaping water.

Alternative accommodation

Up to £40,000 (if you have combined buildings and contents insurance) towards alternative accommodation for you, your family and pets if your home is uninhabitable while it’s being repaired after an insured event.

24/7 emergency helpline

Our emergency helpline is always available to you, no matter what time you might need us.

Optional extras

Personal possessions

Cover for the loss or damage to items that can be worn or carried out of the home and on holiday, including cameras, jewellery and money.

Limited to 60 days abroad in any one policy year.

Accidental Damage Cover

Additional cover for when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes.

Home Emergency Cover

Up to £500 for call outs, labour and parts when using one of our approved repairers in an emergency.

Excludes non–mainland homes in the UK (Isle of Man and Channel Islands are covered). Excludes cesspits, septic tanks and treatment plants.

Family legal protection

Access to qualified staff offering legal advice, as well as cover against personal injury claims and disputes involving contracts, property, tax, employment and inheritance.

Family Legal Protection will provide up to £100,000 of legal costs to help you to claim, where no other insurance policy will cover your losses, as long as there is a more than 50% chance that your claim will succeed.

Home Insurance Plus offers a higher level of cover on most of the benefits our standard home insurance provides, and includes the additional benefits so that you have complete peace of mind.

What's included

Personal possessions

Cover for the loss or damage to items that can be worn or carried out of the home and on holiday, including cameras, jewellery and money.

Limited to 60 days abroad in any one policy year.

Accidental damage

Additional cover for when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes.

Home emergency

Up to £500 for call outs, labour and parts when using one of our approved repairers in an emergency.

Excludes non-mainland homes in the UK (Isle of Man and Channel Islands are covered). Excludes cesspits, septic tanks and treatment plants.

Family legal protection

Access to qualified staff offering legal advice, as well as cover against personal injury claims and disputes involving contracts, property, tax, employment and inheritance.

Family Legal Protection will provide up to £100,000 of legal costs to help you to claim, where no other insurance policy will cover your losses, as long as there is a more than 50% chance that your claim will succeed.

Professional fees

Fees for commissioned architects, surveyors and consultants needed to rebuild your home, in the event of a claim, to a standard that meets current government and local authority requirements.

SELECT Premier is our highest level of cover. It’s specifically designed for higher-valued homes, to insure the things you value most.

What's included

Personal possessions

Cover for the loss or damage to items that can be worn or carried out of the home and on holiday, including cameras, jewellery and money.

Accidental damage

Additional cover for when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes.

Home emergency

Up to £1,500 for call outs, labour and parts when using one of our approved repairers in an emergency.

Excludes non-mainland homes in the UK (Isle of Man and Channel Islands are covered). Excludes cesspits, septic tanks and treatment plants.

Family legal protection

Access to qualified staff offering legal advice, as well as cover against personal injury claims and disputes involving contracts, property, tax, employment and inheritance.

Family Legal Protection will provide legal costs to help you to claim, where no other insurance policy will cover your losses, as long as there is a more than 50% chance that your claim will succeed.

Professional fees

Fees for commissioned architects, surveyors and consultants needed to rebuild your home, in the event of a claim, to a standard that meets current government and local authority requirements.

What isn't included?

We don't cover:

  • Wear and tear, maintenance and routine decoration
  • Theft, vandalism or accidental damage caused by a paying guest or tenant
  • The cost of repairing or replacing items following a mechanical or electrical fault
  • Damage or theft if the house has been unoccupied for more than 60 days in a row
Home Insurance illustration – Red House

Our Home Insurance cover explained

Find out all you need to know about our Home Insurance product

Our Home Insurance PLUS cover explained

See how our PLUS product goes that extra mile to cover your home


Policy documents

Home Insurance

Home Insurance Plus

If you want to make a change to your policy, or you need to speak to a member of our team, please give us a call on 0345 246 8372.

Just answer the few simple questions below, and you’ll be able to view your documents straight away.

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I purchased my policy...
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Other types of cover

Landlord Insurance

Whether it’s flexible options or specialist legal advice you need, our landlord insurance has been designed with buy-to-let owners in mind.

Learn more

Insurance for tenants

From furniture to frozen food, if you rent an unfurnished property then you’re responsible for everything in your home.

Learn more


What you need to get a home insurance quote

Property details

Knowing if your house is a listed property or not, what type of building it is and the year it was built.

Structure details

What your exterior walls are mostly made of (e.g. brick or stone) and how much flat roof space you have (including porches, bays and garages). If you’re unsure, we’ll give you options with an explanation of each.

Room details

The total number of bedrooms and bathrooms.

Personal details

Details of any previous claims you’ve made, and details about anyone else you want to include on the policy.


When you might need to call us

There are some situations where you won’t be able to get an online quote because we need a few more details. If that happens, just give us a call on 0345 246 8372.

You may need to ring us if:

  • Your home is a listed building
  • You’re insuring a second home
  • You’ve more than five bathrooms or six bedrooms
  • You want to insure standard items over £100,000
  • You want to insure individual valuable items over £2,000 with Home Insurance or £4,000 with Home Insurance Plus
  • You’ve previously made a claim for over £5,000
Give us a call and we’ll get it sorted for you
0345 246 8372
Opening hours:
Mon- Fri 8am-9pm | Sat 9am-5pm | Sun 10am- 5pm

Need more help?
Our webchat team can answer your questions

Get in touch

Key factors impacting your insurance quote

Home Insurance illustration – Yellow House

The greater the risk of loss and damage to your home and belongings, the higher your insurance quote is likely to be.

Your premium is based on several factors relating to you, your home and the value of your items.

Where you live

Size of your house

How close you are to water

Age and property structure

Your lifestyle

Materials on your roof

Value of your contents

Previous claims

Home Insurance illustration – Yellow House
Home Insurance illustration – Yellow House

There are many reasons why the cost of your home insurance premium may have changed on renewal, with some having a bigger impact than others.

Your premium is based on several factors relating to you, your home and the value of your items.

Introductory discount

Previous claims

Inflation

Crime rate

Severe weather

Changes to IPT

Home Insurance illustration – Yellow House

Why choose Direct Line

Our high performance insurance makes sure you have the cover you need.

Why choose Direct Line? Direct Line MoreThan Aviva Admiral
Admin fee for adjustments made online* £0 £0 £8.96 £19.50
Items ready to send eight hours after approving your claim**
Choice of cash or replacements***

Sourced from insurers policy booklets, mystery shopping and websites.

** Data correct as of April 2017 I ** Data correct as of June 2017 I *** Data correct as of June 2017


What our customers think

Defaqto Ratings
Defaqto Ratings

We're proud of our customer reviews and Defaqto 5 Star Rating for home insurance.

Defaqto is an independent researcher of financial products

Good Points
EASY TO FOLLOW ON SCREEN
Bad Points
The reviewer left no comments
Gethyn, CHEPSTOW GWENT
9.4 Ease of purchase
9.2 Value for money
9.1 Overall rating
Score is 9.1 out of 10 based on 2601 reviews.
Read more reviews

Frequently asked questions

q1 Are my belongings covered outside the home or when I go on holiday?

Yes, if you take out our Personal Possessions cover. This is available as an optional extra under the Direct Line Home Insurance policy and covers your personal belongings (including up to £500 for Money) against theft, loss or accidental damage anywhere in the British Isles and for up to 60 days abroad each year. Any individual items worth more than £2,000 must be specified on the Direct Line Home Insurance policy.

Personal Possessions cover is included as standard under the Direct Line Home Insurance Plus policy (when you select contents cover) and covers your personal belongings (including up to £1,000 for Money) against theft, loss or accidental damage anywhere in the world. Any individual items worth more than £4,000 must be specified on the policy.

q2 Are my contents covered in storage?

We will provide cover for your contents whilst in storage, but only when using a professional storage facility, for up to 72hrs. Your contents would also be covered against accidental loss or damage whilst you are in the process of moving.

q3 In which cases do I need to tell you about the individual value of my contents?

You need to let us know the value of individual items of jewellery, fine art, watches, antiques and sporting guns in excess of £2,000 with Home Insurance or £4,000 with Home Insurance Plus. These items will then be specified (listed) on your policy.

q4 I am moving home soon, should I get a new policy or can you change on my current policy?

If you are changing address, please call us on 0345 246 3564 to discuss. If you're selling your home the buildings section of our policy automatically covers the buyer up to the date that the sale completes however if you require cover for a new property which you are in the process of buying or a property which you have already moved into then you will need to speak to our customer services team to discuss this on 0345 246 3564.

q5 What's Trace and Access and am I covered by Direct Line?

Direct Line Home Insurance will pay up to £5,000 for Trace and Access cover. This includes removing and replacing any part of the building in order to find the source of water escaping from tanks, pipes, appliances or fixed heating systems that are causing damage to the building.

Cover increases to £10,000 for Home Insurance Plus, and to £15,000 for Select Premier customers.

What's not covered is repairing or replacing the tanks, pipes or heating systems themselves.

q6 Will alternative accommodation be provided if I can't live in my home?

Yes. Direct Line Buildings Insurance customers get up to £25,000 for comparable accommodation including kennel fees for pets, and lost rent. This applies if all or part of your home is not fit to be lived in when a valid claim has been made, or your home is occupied by squatters.

Home Insurance Plus Buildings customers receive up to £50,000 in alternative accommodation cover, while Select Premier cover is unlimited for up to three years.

Direct Line Contents Insurance will pay up to £15,000 for the cost of alternative accommodation, kennel fees and the storage of your contents. Cover increases to £30,000 for Home Insurance Plus Contents customers.

Have another question about home insurance?

Visit our FAQs

Compare our products

Home Insurance Home Insurance PLUS SELECT Premier
Get a quote SELECT Premier quote

All features

Buildings and contents combined

Buildings insurance Up to £1million Unlimited Unlimited
Contents insurance Up to £50,000 Up to £100,000 Unlimited
Trace and access Up to £5,000 Up to £10,000 Up to £15,000
Alternative accommodation Up to £40,000 Up to £80,000 Unlimited for up to 3 years
Sets and suites Not included Included Included

Additional cover

Personal possessions Optional Included Included
Accidental damage Optional Included Included
Home emergency Optional Included Up to £1,500
Family legal protection Optional Included Included