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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

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/before 14.08.22)
PDF 449.24 KB
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Home emergency insurance (renewal on/before 31.12.23)
PDF 424.09 KB
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Home excess reimbursement insurance (renewal on/after 01.01.24)
PDF 577.92 KB
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Home excess reimbursement insurance (renewal on/before 31.12.23)
PDF 385.97 KB
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Key cover insurance (renewal on/after 01.01.24)
PDF 317 KB
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Key cover insurance (renewal on/before 31.12.23)
PDF 222.18 KB
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Family legal expenses insurance (renewal on/after 01.01.24)
PDF 200.32 KB
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Family legal expenses insurance (renewal on/before 31.12.23)
PDF 148.58 KB

Your payment options

We believe in making insurance straight forward and easy for our customers. That’s why we have multiple payment options, so you can choose your preference: instalments, 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 partner with Close Brothers Premium Finance to enable you to pay in regular instalments.

If you decide to pay by premium finance, the set-up process couldn't be easier as we arrange all of this while processing your policy. The credit agreement will be between yourself and Close Brothers Premium Finance and you will make regular instalments by Direct Debit to them to repay the cost of your insurance premium, plus interest and any charges, which we’ll let you know about in advance.

Flexible payment dates, online account management and simple credit agreement renewal make it easy to have the best protection possible.

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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