Home Insurance policy summary

For full details, please refer to the Home Insurance policy document and our Home Insurance summary table.

Below are the choices of cover available to you with a Direct Line Home Insurance policy:

Direct Line Contents Insurance

• Automatically provides contents cover up to £50,000
• Provides cover on a new-for-old basis for household goods, including furniture, carpets, curtains, and your personal belongings in the home, garages and sheds
• Covers cash in your home up to £500, plus items in the garden up to £1,000
• Covers against fire, smoke damage, lightning, theft, flood and escape of water or oil
• Also covers accidental damage to freezer contents (up to £500), replacement locks and keys following theft of keys (unlimited), and possessions temporarily removed from the home to another e.g. while children are at college
• Includes an automatic increase of 5% of the sums insured for several weeks either side of Christmas and family weddings
• 24-hour Emergency Helpline

Direct Line Buildings Insurance

Direct Line offers insurance for your building as well as its contents. Discover more about our buildings insurance cover.

Optional Extras

• Accidental Damage cover – covers accidental damage to windows or sanitary ware, TVs, home computers, home entertainment systems, DIY disasters, damage to furniture, ornaments, carpets, etc
• Personal Possessions – covers your personal effects and valuables, including cash and credit cards, outside the home – on holiday, for example
• Family Legal Protection – A confidential 24-hour Helpline manned by legal experts, and up to £100,000 of legal costs to help pursue your rights for issues such as:
  • Employment claims – Unfair dismissal, breach of contract, discrimination due to sex, race or disability. The cause of action must start at least 90 days after cover starts.
  • Personal injury claims – accidents at work, accidents in public places, accidents caused while cycling or in a car and clinical negligence
  • Contract claims – Purchase of a faulty car, purchase of faulty goods, purchase of negligently performed services, a poor holiday experience
  • Property Claims – Disputes with your neighbour, noisy neighbours, boundary disputes. The cause of action must start at least 90 days after cover starts.
• Home Emergency – up to £500 to cover the cost of call out, labour and parts in the event of a home emergency involving plumbing and drainage, heating, electrics and security

All claims must be reported to the legal Helpline as soon as possible. Claims are handled by our staff or by one of our panel of solicitors until the issue of legal proceedings.

Interested? Why not get a home insurance quote?

Need more information? See our home insurance policy document and our home insurance summary table.

Home insurance tips & advice

• Understanding home insurance
• About Direct Line home insurance
• Buildings insurance
• Contents insurance
• Finding cheaper home insurance