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Feature rich home insurance policies underwritten by leading insurers

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We’re an experienced specialist insurance broker with 50 years behind us. Let's see if we can help.

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Thanks to many happy customers we’re Feefo Platinum Trusted Service Award winners!

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Key features of a typical home insurance

Buildings Contents Away From Home Insurance

Building, contents and away from home cover

Fire Flood Home Insurance

Fires, floods, theft and more covered

Alternative-accommodation-cover

Alternative accommodation cover

Valuable Possessions Insurance

Declare valuable possessions for specific cover

Specialist Bicycle Cover

Specialist bicycle cover on many policies

Garden Furniture Cover

Garden and outdoor items covered on most policies

Why choose Lifesure for home insurance?

We’ve been arranging home insurance for more than 35 years, so we know a thing or two about what should be in your policy.

Many of our customers tell us our home insurance offers everything they need, at a price that fits their budget and our excellent customer service being just what they were looking for. In fact, that’s why we received the Feefo Platinum Trusted Service Award for the fourth year running!

Our award-winning team of agents are always happy to help and can be contacted on 01480 402 460 to provide a new quotation or assist with any changes to an existing policy. And we also offer MyLifesure, an online customer portal providing instant access to your policy details and documents. From here you can send us secure messages and update your details. It’s a convenient tool to get you to the information you need quickly.

Support with claims
If you should need to make a claim on your policy, our insurer partners have dedicated Claims Teams who are there to assist you throughout the claims process. We know that making a claim can be a stressful time, so if you need further support our Customer Care Champion is there to help, for additional peace of mind.


What does Lifesure’s home insurance cover?

Just see for yourself how we could protect your home with our handy summary below. Remember that no policy protects you against every scenario and it’s always best to read your policy documents to understand the conditions and exclusions that apply.

What's covered

  • Cover for fires, floods and theft, along with many other scenarios
  • Options for buildings, contents or both
  • Cover away from the home
  • Accidental damage cover
  • Alternative accommodation offered if you have to claim and cannot stay in your home
  • Declare your valuable possessions and make sure they are specifically insured
  • Most of our policies cover digital downloads
  • Gardens and their contents are covered with most of our policies
  • Keen cyclist? Talk to us. Many of our products offer bicycle cover options

What's not covered

  • Properties used for business purposes
  • Any gradual deterioration or maintenance
  • Your policy excess
  • Most of our policies will not cover undamaged items that are part of a set or suite
  • Please read our policy documents below to understand the conditions and exclusions that apply

Policy enhancements

  • Home emergency Up to £500 to pay for emergency repairs following certain incidents in your home
  • Home excess protection We will reimburse you for the excess on your home insurance policy following a claim on your vehicle/home insurance
  • Key cover Provides cover for the costs to repair or replace keys in the event of damage, theft or loss
  • Family legal Up to £50,000 for professional fees if you need to take legal action following certain insured events

Full residential home policy information

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Home emergency insurance (renewal on/after 01.01.24)
PDF 450.15 KB
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Home emergency insurance (renewal on/before 31.12.23)
PDF 412.65 KB
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Home excess reimbursement insurance (renewal on/after 01.01.24)
PDF 376.8 KB
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Home excess reimbursement insurance (renewal on/before 31.12.23)
PDF 426.46 KB
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Key cover insurance (renewal on/after 01.01.24)
PDF 263.31 KB
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Key cover insurance (renewal on/before 31.12.23)
PDF 222.41 KB
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Family legal expenses insurance (renewal on/after 01.01.24)
PDF 207.73 KB
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Family legal expenses insurance (renewal on/before 31.12.23)
PDF 149.01 KB

Your payment options

We believe in making insurance as straight forward and as easy as possible for our customers. That’s why we have multiple payment options, so you can choose your preference: instalments by direct debit, debit card, credit card, BACS or bank transfer.

Spreading the cost of your insurance can help make the cost more manageable, which is why we work with Close Brothers Premium Finance to enable you to pay in regular instalments*.

Flexible payment dates, online account management and credit agreement renewal can make it easier to have appropriate protection in place.

*We work with a third party company called Close Brothers Premium Finance Limited (‘CBL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to CBL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with CBL. If CBL agrees to provide you with credit you will receive a welcome pack including a credit agreement from CBL, which you will need to sign and return to CBL. Please note that CBL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to CBL. Paying by monthly direct debit via CBL will cost more than paying by one off payment.

Ways to pay

Find other insurances

Did you know that we offer a whole host of everyday and leisure insurances, all under one roof? From car insurance and breakdown cover to caravan or motorhome cover, we’ve brought together a collection of feature packed policies, so shopping around for what you need is that little bit easier.

Our experienced agents will be able to talk to you about all of your policies in one conversation, so you can spend your time doing more of the things you really enjoy! Take a look at the other insurance covers we can provide.

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