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Home insurance
See what you could save on your home insurance, with no claims discount included as standard*.
✖ 10% of consumers could achieve this saving in their first year with Sainsbury's Bank Buildings and Contents Insurance. Online independent research by Consumer Intelligence. 1 October 2024 to 31 December 2024.
What is home insurance?
Home insurance financially protects your home and its belongings against theft, loss and damage. A home insurance policy helps cover the cost of repairing your home in the event of unavoidable damage, like fire or flooding, and replacing stolen valuables if there’s a break-in.
There are two parts of home insurance – buildings insurance and contents insurance. Buildings insurance protects the physical structure of your home, whereas contents insurance protects your belongings inside the home. These can be bought individually or together as a buildings and contents insurance policy.
Who is home insurance for?
While home insurance isn’t a legal requirement, it’s still useful for protecting your home. Because a home is likely to be the most expensive thing you own, it’s worth protecting your pocket from the cost of damage, loss or theft.
Most mortgage providers will require you to take out buildings insurance in order to approve your mortgage application.
Our buildings and contents insurance is suitable for anyone who owns a home. But there are policies designed for all types of occupants. Those who may consider home insurance include:
Homeowners
If you’re paying off a mortgage or you own your home outright, then you may want to take out buildings insurance. However, you’re responsible for both the home’s structure and any belongings, so buildings and contents insurance may be more suitable.
Landlords
Landlords are legally required to have insurance that will protect the property and its occupiers. This usually comes under landlord insurance, which covers your buildings, contents, accidental damage, landlord liability and alternative accommodation. At Sainsbury’s Bank, we do not offer this type of insurance.
Renters
If you live in a rented property, then buildings insurance is covered by the landlord. But you’ll need a contents insurance policy for your own belongings, as your landlord’s insurance won’t cover this.
Holiday homeowners
You’re unable to cover a second home with standard home insurance. For this, you’ll need specific insurance to cover the risks associated with renting your second home out and leaving it empty for long periods of time.
Choose buildings insurance, contents insurance, or both
Insure your house, its contents or a combination of the two. It's up to you.
- Buildings insurance covers the structure of your home, plus permanent fittings like your roof, walls, fitted kitchen and bathroom. It can also include cover for alternative accommodation if your home becomes uninhabitable.
- Home contents insures the value of everything in your house – such as furniture, electricals, clothing and jewellery – with each item only covered up to a certain amount. Additional accidental damage can be included for an extra cost.
- Combined buildings and contents insurance covers your home and belongings with one neat package. This could be more cost-effective than buying two separate policies and can be easier when making a claim.
Compare our home insurance policies
We have two levels of cover to choose from, Home or Home Plus.
Here's just some of the features you get as standard with Sainsbury's Bank Home Insurance:
- Alternative accommodation – if you can't live in your home following a valid claim, we can help pay for your accommodation while your place is being fixed.
- Accidental damage – you get some cover as standard, but you can upgrade this as an optional extra.
- No claims discount – money off next year's premium if you don't make a claim.
On top of this, with Home Plus we’ll include:
- Home Emergency Cover – for unexpected events like boiler breakdowns or blocked drains.
- Family Legal Protection – help cover unexpected legal costs.
Comes with a 24-hour legal helpline too.
What’s covered?
Home insurance helps cover the cost of theft, loss or damage to your home as standard, but there is optional cover too.
Here is a breakdown of what you can get with home insurance:
| Buildings | Home | Home Plus |
|---|---|---|
| Sum insured up to £1 million as standard. |  |
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| Accidental damage to fixed ceramic hob, sanitary ware, fixed glass. | |
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| Alternative accommodation up to £50,000 if your home is uninhabitable after an incident covered under your insurance. | |
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| Trace and access – we'll find and fix water or oil leaks from your home appliances or installations. | |
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| Home Emergency Cover – from boiler breakdowns to kitchen floods, we’re here for you 24/7. | Optional | |
| Family Legal Protection – cover the costs if you have to go to court for a private legal dispute. | Optional | |
| Contents | Home | Home Plus |
|---|---|---|
| Sum insured up to £75,000 as standard (single valuable item limit £2,000). | |
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| Accidental damage to TV, DVD and games consoles. | |
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| Alternative accommodation up to £15,000 if your home is uninhabitable after an incident covered under your insurance (up to £50,000 when combined with Buildings cover). | |
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| Garden Contents cover up to £2,000 on plants, garden items and children’s toys. | |
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| Home Emergency Cover – from boiler breakdowns to kitchen floods, we’re here for you 24/7. | Optional | |
| Family Legal Protection – cover the costs if you have to go to court for a private legal dispute. | Optional | |
Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.
Optional extras
You can also tailor your home insurance by adding additional cover to your policy. Whether it’s buildings, contents or both – it’s your call. Stretch your safety net even further with our optional add-ons.
- Home Emergency Cover – from burst pipes to boiler breakdowns
- Family Legal Protection – cover the cost if you have to go to court for a private legal dispute
- Personal Possessions Cover – for your belongings when you’re out and about
- Enhanced Accidental Damage Cover for Buildings and Contents – boost your cover for small slip ups and incidents in and out of the home
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Key Cover – Increasing the cover limit to £1500. Claims made on this enhanced key care policy will not affect your no claims discount. This enhanced cover will insure both car and household keys for loss, damage and theft.
Why choose Sainsbury's Bank Home Insurance?
In short, you get more than just good cover for your home.
- Choose the level of cover you want – we have Home or Home Plus Insurance to cover your buildings, contents or both
- Get a discounted home insurance quote if you are a Nectar member ‡
Sainsbury’s Bank Home Insurance is arranged and administered by Sainsbury’s Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.
Manage your account with our online portal
Our portal is designed to help you keep tabs on your policy and cover options. Here’s the handy things it’ll help you do:
- View policy cover and renewal dates
- Upload documents such as proof of no claims
- Make changes to cover with no admin fee
- Find out how to make a claim
- Cancel your policy
Register for our online portal here:
Not a Nectar member?
No problem, just download the Nectar app or register at nectar.com 
.
Got a question?
Take a look at the frequently asked questions on our home insurance.
Terms and Conditions
✖ 10% of consumers could achieve this saving in their first year with Sainsbury's Bank Buildings and Contents Insurance. Online independent research by Consumer Intelligence. 1 October 2024 to 31 December 2024.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.
Frequently asked questions
Is it worth paying for home insurance?
It can be worth paying for home insurance. This financially protects your home and its contents against theft, loss or damage, and can help cover the cost to repair or rebuild.
How much is home insurance in the UK?
The cost of home insurance will depend on a range of factors, including your home and its contents, your location, your claims history, and the policy you’re taking out.
What do I need to get a home insurance quote?
To get a home insurance quote, you’ll need to provide:
- Your personal information, including details of any claims you have made on home insurance.
- Property details, including the year, property type, number of bedrooms and the type of locks you have.
- The value of your contents, including the individual cost of any valuables such as bicycles, electronics and jewellery.
Is home insurance a legal requirement?
No, there is no legal requirement to take out home insurance, but taking out buildings insurance is usually a condition of getting a mortgage. Even if you own your home outright, it may still be worthwhile taking out buildings and contents insurance.
How much home insurance do I need?
To work out how much home insurance you need, consider how much your home would cost to rebuild, rather than how much you paid for it. You can calculate your buildings and contents insurance by hiring a residential property surveyor or going from room to room and noting down everything worth insuring.
What is a home insurance policy excess?
A home insurance policy excess is the amount that you’re required to pay towards the cost of a claim. The amount is usually agreed prior, and your home insurer will contribute the rest up to the limit of the cover. Taking out voluntary excess can reduce the cost of your premiums.
Your optional extras
No two homes are the same. So you can make your insurance fit your needs with our optional extras.
| Tailor your cover | Home | Home Plus |
|---|---|---|
| Home Emergency Cover from boiler breakdowns to kitchen floods, we’re here for you 24/7. | Optional | |
| Family Legal Protection Cover cover your costs if you have to go to court for a private legal dispute. | Optional | |
| Personal Possessions Cover for your belongings when you’re out and about. | Optional | Optional |
| Key Cover increasing the cover limit to £1500. Claims made on this enhanced key care policy will not affect your no claims discount. This enhanced cover will insure both car and household keys for loss, damage and theft. | Optional | Optional |
| Bike Cover away from home covering your bike when you're out and about, with our Personal Possessions Cover. | Optional | Optional |
| Enhanced Accidental Cover – buildings boost up your cover, for things like putting your foot through the attic floor. | Optional | Optional |
| Enhanced accidental Cover – contents to help you deal with things like the paint spill on a new carpet. | Optional | Optional |
| Excess Cover – claim back the total excess you have to pay if you make an eligible claim. | Optional | Optional |
Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.
Got a question?
Take a look at the frequently asked questions on our home insurance.
Terms and Conditions
✖ 10% of consumers could achieve this saving in their first year with Sainsbury's Bank Buildings and Contents Insurance. Online independent research by Consumer Intelligence. 1 October 2024 to 31 December 2024.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.
Find out what's included
Our home insurance covers you from floor to ceiling – and even out to the garden. We'll take care of your valuables and we'll protect your children's belongings while they're studying away from home. Plus, we've got garden contents cover for your plants and patio furniture, and we'll even get on the case if your house gets a leak.
And that's before you look at our optional extras, which you can add for an additional cost. Whether it's Enhanced Accidental Damage Cover for your clumsier days or Personal Possessions Cover when you're out and about, you can get the insurance you need.
The essentials
Depending on whether you go for contents or buildings insurance, or both, here are just some of the home insurance benefits you can get as standard when you sign up.
Buildings cover
Accidental damage as standard.
Contents cover
Accidental damage as standard.
Student cover
Keep their things covered when they fly the nest.
Garden contents cover
From trees to trampolines, the contents of your garden are covered.
Trace and access cover
Sprung a leak? Find and fix it with trace and access cover.
Special events cover
We increase your contents cover by £7,500 on special occasions.
Household removal cover
One less thing to worry about when you’re moving house.
Jewellery cover
Keeping your gems and jewels safe in the home.
Bike cover
Keep your wheels protected at home.
Gadget and mobile cover
Home Insurance with some cover for your mobiles and gadgets.
Optional extras
Add a little extra cover to make your policy your own.
Got a question?
Get answers to our most commonly asked questions.
Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.
Sainsbury's Bank Home Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.
Terms and Conditions
✖ 10% of consumers could achieve this saving in their first year with Sainsbury's Bank Buildings and Contents Insurance. Online independent research by Consumer Intelligence. 1 October 2024 to 31 December 2024.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.
Supporting the people of Ukraine
Following the launch of the Homes for Ukraine scheme, we want to support our customers who open their homes and properties to help those displaced by the conflict.
Customers who wish to be considered should first visit the official government website and register their interest.
If you are successfully accepted as a sponsor under the scheme and will be sharing your main property with those displaced by the conflict, you do not need to inform us. Their belongings will be covered within your home contents policy limit and your cover will remain the same. This will apply for the first 12 months of any refugees living with you, including when your policy is due for renewal. If after 12 months, any refugees are still living with you, then please contact us.
If you are successfully accepted as a sponsor under the scheme and will be sharing your second homes, guest homes or another unoccupied property please contact us immediately upon acceptance so that we can consider your request.
Why use the Portal?
Checking your details is quick and easy. You can also:
- Keep your policy up to date by making changes like changing your address or cover if you need to
- View your insurance documents online, with instant access whenever you need them
- Upload documents like proof of no claims discount
- Renew your policy and pay online if you need to
- Cancel your policy
Did you take out your policy on (or after) 1 Feb 2017?
Underwritten by one of a panel of insurers.
Did you take out your policy 1 Feb 2012 - 2 Mar 2017?
Underwritten by UK Insurance Limited.
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How to make your claim
Did you take out your policy before 31 Jan 2012?
If your policy number begins with NHP, SBY your policy is underwritten by Halifax General Insurance Services Limited. If your policy number begins with HBP your policy is underwritten by Lloyds Bank Insurance Services Limited.
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How to claim
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FAQs
After more information?
Have a look at our frequently asked questions for more on our home insurance and how it works. We’ve also put together some helpful guides on everything from security tips for students and moving home to going green and protecting your home against storms.
Sainsbury's Bank Home Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.
Terms and Conditions
✖ 10% of consumers could achieve this saving in their first year with Sainsbury's Bank Buildings and Contents Insurance. Online independent research by Consumer Intelligence. 1 October 2024 to 31 December 2024.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.
Helpful guides
Tools, guides and resources
A range of tools and guides to help you keep your home and personal belongings safe and secure.
Guide to home insurance (PDF, 728KB)
Protecting against storm damage (PDF, 547KB)
What's covered under home insurance?
How to value your home and contents
How to go green at home (PDF, 868KB)
Avoid invalidating your insurance
Terms and Conditions
✖ 10% of consumers could achieve this saving in their first year with Sainsbury's Bank Buildings and Contents Insurance. Online independent research by Consumer Intelligence. 1 October 2024 to 31 December 2024.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.