YBS Insurance Key features

Home insurance – key features

Wide range of discounts available

You could save up to a third with:

15% discount if you are claims free for 3 years
Another 15% discount if you take out our buildings and contents insurance together
An extra 10% discount if you have an approved intruder alarm that is professionally installed and maintained

Additional discounts could save you even more:

For choosing an additional voluntary excess of £50 or more
If you are over 50.

Flexibility

Anyone with a home can benefit from our flexible Home Insurance. You don't have to have a mortgage with us. You may even be in rented accommodation and just need to protect your belongings. Simply choose the options that suit your needs from:

Buildings
Contents
Accidental damage cover
Personal belongings & money
Pedal cycles
Legal expenses

You can tailor the insurance to suit your needs … and only pay for the insurance you actually want.

Cover for your home

If your home is damaged beyond repair, you can claim the full replacement cost of rebuilding it. You must, however, have informed us of any major home improvements or extensions during the life of the policy.

High level of standard cover

Up to £400,000 for buildings, £50,000 for contents. And this can be increased if needed.
'New for old' cover for items that are stolen or damaged.
Cover for replacement locks and keys if stolen, lost or damaged.
Home emergency assistance service available all day, every day for emergencies such as a burst water pipe or broken window (up to £250)
Contents cover automatically increases by £1,000 each Christmas at no extra cost.
Cover for home office equipment.
Increase in cover for wedding gifts.
Financial help towards overnight accommodation if you have a home emergency that makes this necessary.
Cover for loss or damage to trees and shrubs

Note: there are exclusions with all home insurance policies. Read our Summary of exclusions for more information.

Additional optional cover available

Additional cover for your personal belongings, including money
Cover for pedal cycles.
Legal expenses cover to give you peace of mind should you get into a dispute with someone, for example a contractor or neighbour.

Help if you need it

With our Home Emergency Service, we will arrange and pay for the call out and labour charge of a tradesperson (labour, parts, materials and overnight accommodation up to £250, including VAT).

Changing your cover

If your needs have changed, it is quick and easy to change your cover. You can do this at any time, and you will not be charged a fee for making any amends.

At renewal, your insurance premiums will automatically be adjusted in line with the current national house rebuilding costs. That means you don't have to worry about being underinsured provided that you tell us about any major home improvements you have made or any valuable and personal possessions you have purchased costing more than £1,500.

Choose from the following:

As an Intermediary, we act on your behalf in arranging your insurance. Your household insurance policy will be underwritten by Royal & Sun Alliance Insurance plc, who are authorised and regulated by the Financial Services Authority.