Home insurance

Women opening the front door

We cover the costs of changing the locks if your keys are lost or stolen

Limits apply, please refer to policy documents for more details.

Home insurance is offered through Co-op Insurance Services and administered by Affinity Insurance Solutions Limited.

Save up to 10% when you buy online

Offer may be changed or withdrawn at any time. Minimum premiums apply.

Co-op Home Insurance comes with lots of great features, and we’ve some useful optional extras too that you can add to create an insurance policy that’s right for you.

Our home insurance is available in three levels of cover:

  • just buildings insurance
  • just contents insurance
  • combined buildings and contents insurance.

You can choose which level of cover you need when you get a quote online.

Buildings insurance

We can give a quote for houses in Great Britain and Northern Ireland and we also include your domestic outbuildings such as:

  • sheds,
  • garages,
  • greenhouses.

Our insurance includes cover against loss or damage from:

  • fire,
  • theft,
  • storm,
  • flooding,
  • subsidence,
  • escape of water.

You will be covered for:

  • rebuilding costs,
  • up to £2m legal costs for property owner’s liability,
  • alternative accommodation if your home is unfit to live in as the result of an insured event.

Some things won't be covered if your home is left empty for more than 60 days, please see your policy documents for full details.

Buildings optional extras

For small domestic problems, we offer home assistance cover and we'll pay up to £500, including VAT, and no excess applies.

If you want to increase your level of cover against accidental damage, we can do that too.

Contents insurance

We cover the contents of homes in Great Britain and Northern Ireland, including rented accommodation.

Our insurance also includes loss of or damage to your contents in your outbuildings:

  • sheds,
  • garages,
  • greenhouses.

Our insurance includes cover against loss or damage from:

  • fire,
  • theft,
  • storm,
  • flooding,
  • subsidence,
  • escape of water.

You will be covered for:

  • up to £2m plus legal costs personal and occupiers’ liability as standard,
  • contents up to the amount you are insured for, subject to policy limits,
  • new for old replacement of items (except household linen and clothing),
  • theft from your outbuildings,
  • up to 20% of the amount for which your contents are insured, for alternative accommodation.

Some things won't be covered if your home is left empty for more than 60 days, please see your policy documents for full details.

Contents optional extras

For covering your valuable items, and the things you take out and about, we offer personal possessions cover.

For small domestic problems, we offer home assistance cover and we'll pay up to £500, including VAT, and no excess applies.

If you want to increase your level of cover against accidental damage, we can do that too.

Make a home insurance claim

Policy documents

If you're a new customer your policy documents will be shown when you get your quote.

Existing customers

Frequently asked questions

^ Call charges may apply.

Like all insurance policies, there are some limitations and exclusions. Please speak to our call centre or have a look at our policy documents online for more information.

Applicants for insurance are subject to normal underwriting criteria.

A new customer is someone who has not had an insurance policy of the same type with Co-op Insurance or Co-op Insurance Services in the last 12 months.