Buildings and Contents insurance

Direct Line Contents Insurance covers every non-permanent item in your home, from furniture and carpets to valuables, electrical goods and sentimental items – basically anything you would take with you if you were moving out. Our Buildings Insurance covers the structure of your home and any outbuildings, and is based on the cost of rebuilding your property.

More for your money

But it doesn’t just stop there, we want to give you value for your money – we want to give you a Good Deal Better. So we will replace not only the contents within your home on a new-for-old basis, but we’ll also replace up to £1,000 worth of garden items if you take out Direct Line Home Insurance (up to £2,000 worth of garden items with Direct Line Home Insurance Plus).

And even when you have to take contents outside the home temporarily, they are still covered. For example, if your kids move to university then any belongings they temporarily take from home will be protected, and that includes all their electrical equipment such as televisions and stereo systems.

What’s more, should you have any queries or need to make a claim, all our call centres are UK-based, so we’re here on the phone, in the UK, waiting to support you.

Extra! Extra!

And if you want a little more security we’ve got lots of optional extras that you can add on to your Direct Line Home Insurance policy cover. Or, our Direct Line Home Insurance Plus policy comes with all these covers as standard.

Our Family Legal Protection cover provides you with valuable legal support 24 hours of the day. Our qualified staff can give you confidential advice on any private legal matter and could save you money on expensive solicitors' fees. Family Legal Protection also covers up to £100,000 in costs per claim for employment claims, personal injury claims, contract claims and property claims.

Or perhaps you’re a bit accident-prone and feel you could do with a little more protection for those DIY disasters and all-too-frequent household accidents? With our Accidental Damage cover, accidental damage to items such as furniture, carpets and ornaments would be covered.

Our third optional extra is Personal Possessions cover, which will cover items, including cash, mobile phones and credit cards, that you take outside the home with you, even if you’re away on holiday. So if you’re off enjoying yourself you can relax knowing your valuables are fully protected at all times.

For more information on the better deal we can offer you as a Direct Line Home Insurance customer, we’ve provided a Contents and Buildings summary table for a quick and easy way to check what you’re covered for in the event of loss or damage from causes such as theft, fire, storm or flood.

Interested? Why not get a home insurance quote or buy online.