Residential home insurance

Flexible cover for your home and possessions.

Call 01480 402 460 Call 01480 402 460

Finding the right insurance to protect your home will be your top priority, because home is definitely where the heart is. Our feature rich home insurance, will bring you the reassurance that should you need to make a claim, you will have suitable cover in place. We can include buildings and/or contents cover, gardens and their contents, cover away from the home and more.

As an experienced insurance broker, we work with a carefully selected panel of insurers, to ensure we can find you a home insurance policy to meet your needs, based on the information you provide - whether that's over the phone with one of our dedicated friendly agents or through our online insurance quote service.

Key features of a typical home insurance

Buildings Contents Away From Home Insurance

Building, contents and away from home cover

Fires, floods, theft and more covered

Alternative accommodation cover

Declare valuable possessions for specific cover

Specialist bicycle cover on many policies

Garden and outdoor items covered on most policies

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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 is just what they were looking for. In fact, we’re proud to say that we’ve received the Feefo Platinum Trusted Service Award for the fifth year running! (as of November 2025)

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'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

Optional extras

Home emergency Up to £500 to pay for emergency repairs following certain incidents in your home
Family legal protection Up to £50,000 cover for legal expenses incurred for protecting your property, disputes with solicitors, accountants and surveyors, and access to legal and tax advice helplines

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements. Policy enhancements are subject to an additional premium.

We partner with established insurers, like AXA, Ageas, Allianz, Aviva, and LV offering a dedicated service and support when making a claim.

Explore some of our other insurance policies:

Find your insurance

Home insurance is simple with Lifesure. It helps that we have multiple payment options, such as instalments by financed direct debit, debit card, credit card, BACS, or bank transfer. You can spread the cost to make payment more manageable. 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 purchase appropriate protection.

*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. As part of your premium finance journey, Close Brothers will provide you with a commission disclosure detailing the commission we earn. You will have 12 days to review this information and provide your consent. If you decide not to consent to the commission amount, Close Brothers will be unable to process your loan, and you will need to arrange to pay the balance in full.

Ways to pay

Feefo Platinum Trusted for Five Consecutive Years

We’ve received the Feefo Platinum Trusted for the fifth year running! Read more about it here

We are celebrating 50 years of trading in 2022!

We are delighted to announce that this year marks an important milestone in our company's history, as we enter our 51st year of business. Lifesure was established by Colin Barnes in 1972 and remains a family-owned business based in St Neots, to this day!

New FCA rules to protect car and homeowners

The Financial Conduct Authority have set out new rules for insurance companies to protect car and homeowners. Nick Long, Head of Insurance at Lifesure explains what the new FCA rules mean and what to look out for.

Customer Care Champion

Providing exceptional service is our priority at Lifesure, which is why we offer additional support to our customers through our Customer Care Champion!

Coronavirus (Covid-19), Our Customers Frequently Asked Questions.

We’ve put together some FAQ’s as to why it’s still important to protect your pride and joy with essential insurance in place.

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