Home Insurance

Get quality home insurance from £115 *

* 10% of our customers paid £115 or less from Jan - Mar 2019 for Buildings & Contents policies.

Protect your home with cover of up to £1 million as standard with our Buildings Insurance.

With Budget’s Home Insurance product we offer buildings cover for up to £1 million and contents cover for up to £99,000 so you can relax in the knowledge that we have you covered should the worst occur.

Budget’s Home Insurance features and benefits include:

What it covers

  • Your home, outbuildings and contents are protected against many causes, including fire, smoke, subsidence, storm or flood, escape of water, or theft
  • The cost of alternative accommodation for you during the period your home has been made uninhabitable following a claim
  • Up to £5000 for tracing and accessing leaks inside your home
  • Your cover includes damage to freezer contents, loss of oil and metered water, and theft of money from your home
  • Your home and your outbuildings are protected against many causes including fire, smoke, subsidence, storm or flood, escape of water and theft
  • Accidental damage to underground pipes and cables
  • The cost of alternative accommodation for you during the period your home has been made uninhabitable following a claim
  • Up to £5000 for tracing and accessing leaks inside your home
  • Your contents are protected against many causes, including fire, smoke, subsidence, storm or flood, escape of water, or theft
  • The cost of alternative accommodation for you during the period your home has been made uninhabitable following a claim
  • Your liability as a tenant for damage to landlord's fixtures and fittings
  • Your cover includes damage to freezer contents, loss of oil and metered water, and theft of money from your home

Things to think about

  • Storm damage to fences and gates is not covered
  • Damage caused by wear and tear, or damage that happens gradually over time is not covered
  • The cost of replacing any undamaged item forming part of a set or suite is not covered
  • Loss or damage is not covered if your home is unoccupied for longer than the permitted period under the terms of your policy
  • If you require cover for loss or damage to pedal cycles you must individually list each pedal cycle under Personal Possessions section
  • Storm damage to fences and gates is not covered
  • Damage caused by wear and tear, or damage that happens gradually over time is not covered
  • Loss or damage is not covered if your home is unoccupied for longer than the permitted period under the terms of your policy
  • Damage caused by wear and tear, or damage that happens gradually over time is not covered
  • The cost of replacing any undamaged item forming part of a set or suite is not covered
  • Loss or damage is not covered if your home is unoccupied for longer than the permitted period under the terms of your policy
  • If you require cover for loss or damage to pedal cycles you must individually list each pedal cycle under Personal Possessions section

Create your perfect home insurance package

Whatever type of cover you choose, you can get even more protection with our additional cover options, including:

Motor Legal Protection

Family Legal Protection

Family Legal Protection

Other reasons to use Budget

We know printed policies are likely to be misplaced and if you want to make amendments to your policy it is not always convenient to ring up a call centre. We want you to be able to look after your insurance policy in the way that suits you and at a time that is most convenient for you. 

My Account Overview

Feature Rich Account

Once you have bought your policy you will be asked to register for My Account. Use the same email address you stated when you bought your policy and create a password – it’s that simple.

Frequently asked questions

Your home could potentially be the most expensive thing that you will ever own. Home insurance protects your home in the unfortunate event of an accident that causes damage.

There is no law saying that you have to have home insurance; it is not compulsory in the UK, however, it is worth thinking about what you would do or how you would fund the repairs should your house flood or be vandalised.

With Budget’s Home Insurance product we offer Buildings cover for up to £1 million and Contents cover for up to £99,000 so you can relax in the knowledge that we have you covered should the worst occur.

There are different types of home insurance available within the UK depending on whether you want to insure your building, the contents within it, or both. You can choose the type and level of cover that you require. Additionally, if you’re letting a property and are a landlord you can purchase Landlord’s Buildings and Contents insurance.

Budget Insurance offers Buildings insurance, Contents insurance and Buildings and Contents insurance combined so that you can choose the level of cover that suits you. You can also opt to add additional extras to your policy such as Family Legal Protection and Keycare.

Typically, contents insurance will cover the contents that you declare, as standard within the home. Some contents insurance policies will also cover your contents outside of the home which is handy if you travel a lot. Not all of your contents will be covered under a contents insurance policy, you may require additional cover for such items as bicycles, mobile phones etc.

With Budget Insurance you are covered for the repair or replacement of your belongings if they’re damaged or stolen, with contents cover available from £15,000 to £99,000.

Whether you purchase buildings insurance, contents insurance or a joint policy with Budget Insurance, you can get even more protection with our additional cover options, which include:

  • Family Legal Protection up to £50,000
  • Keycare, up to £1,000 per year

If you are a landlord there can be a high level of risk involved with renting out your property, so it’s important to have the right protection in place.

Landlord insurance is an insurance policy that covers a property owner from financial losses connected to rental properties. Landlord insurance covers the buildings within your property including any outbuildings that are within the boundary of your property.

Budget Insurance is one of the UK’s leading insurance providers and we work with our network of selected insurers to find you great landlord cover.

If you have been the victim of burglary, for your safety and to report the crime please be sure to ring the police prior to contacting your insurance provider.

For all other Budget home insurance claims, please call our claims line immediately on 0344 4122 128. Our lines are open 24 hours a day, 7 days a week and our team of dedicated claims representatives are ready to help you through your claim.

When you take out a home insurance policy with Budget, you will receive a number of policy documents. There’s no need to worry about printing these if you don’t want to, you can access and download all your documents within your online My Account area. This is accessible 24 hours a day, 7 days a week.

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