Home Insurance | Get a Home Insurance quote | YBS
- Ideal for families with young children, DIY enthusiasts or anyone looking for extra peace of mind.
- Covers accidental damage to either your building, its contents or both.1
- This option also includes damage caused by pets.
Core Contents - Sudden, unexpected and visible damage which hasn’t been caused on purpose to items inside the home and on land belonging to the home.
- Covers the cost of emergencies in the home.2
- Up to £500 for repairs, parts and call out charges.
- No excess.
- Alternative accommodation. 3
- Provides a 24/7 rapid response from specialist approved tradesman.
- All work carried out is fully guaranteed.
2 Emergency cover for the cost of repairs, parts and call out charges for:
- Plumbing and drainage.
- Heating system.
- Domestic power supply.
- Infestation of the home.
- Home security.
- Roof damage.
3 Cover for alternative accommodation for your family and pets if the home is uninhabitable as a result of the emergency.
- Up to £50,000 of cover as standard.
- No excess.
- Covers the costs of taking or defending legal action for:
- Personal injury, including clinical negligence.
- Consumer protection.
- Residential.
- Employment.
- Tax (Full HMRC inquiries).
- £2,000 minimum cover or increase up to £15,000 if you need.
- Covers items such as jewellery, watches, medals, money, credit cards and sports equipment. More details4.
- Includes cover for money in and away from home up to £1,000.
- Accidental damage and loss included as standard.
4 Cover for your Contents inside and outside the home anywhere in the British Isles and worldwide up to 90 days. Items such as mobile phones, laptops, jewellery, watches, money, clothing, glasses, wheelchairs, mobility scooters and cameras.
Single item limit £2,000. Any individual item over £2,000 needs to be specified on the policy.
- Single item limit of £750 per bicycle.
- Items over £750 need to be specified when you take out the policy.
- Covers accidental loss or damage to your (or your family’s) bicycles inside and outside the home anywhere in the world for up to 90 days.
- If a damaged item is part of a matching set and we can’t repair or replace it (with an item of the same colour, make, model, material and size), we’ll pay the cost of replacing the whole matching set.
Key Features:
- Minimum sum insured for Contents Cover is £60K but the customer can choose to increase this to £80K.
- Items of jewellery, watches and items that contain gold, silver or platinum that always stay inside the home are covered within the chosen Contents sum insured for up to a limit of £10K as standard.
- Contents in the open such as garden furniture, lawnmowers and portable BBQs are covered up to £5K. Plants, trees and shrubs are covered up to £5K.
- £20K for loss or damage to contents whilst they are temporarily at other premises (in the British Isles) like halls of residence, care homes, hospital or some of the contents are in a locked bank safety deposit box.
- Whilst moving home, the contents are covered in both homes for up to 90 days in a row (in the British Isles) whilst moving to a new permanent home. Accidental loss or damage to the contents while moving to a new permanent home (in the British Isles) including temporary storage for up to 7 days in a row. This is up to the Contents sum insured.
Key Exclusions:
- Storm or flood damage to trees, shrubs, hedges, bushes, plants and lawns.
The types of incidents that are covered are:
- Damage by fire
- Flood
- Storm
- Theft or attempted theft
- Escape of water and other similar causes
Key Features:
- £5,000 of cover for finding a leak (also known as trace and access), for example – the cost of removing and replacing the flooring to trace and access a leaking water pipe.
- £50,000 of cover for Alternative Accommodation in case the family including pets cannot live in the home whilst it is being repaired as a result of damage
- Cover for the buyer of the home between exchange of contracts and completion, provided the buyer hasn’t already arranged their own insurance, up to the Buildings sum insured.
- Accidental damage to the locks and loss of the keys to the outside doors of the home, or to safes or alarms in the home, up to the Buildings sum insured.
- Damage caused by emergency services (i.e. fire, police, ambulance) to the buildings whilst getting into the home to deal with an emergency, for example – the Police having to break down the front door to deal with a medical emergency inside. This is up to the Buildings sum insured.
Key Exclusions:
- Damage caused by normal use or ageing, or lack of maintenance, for example – damp on the walls caused by rusted guttering or rotten window frames.
- We’ve chosen to work with RSA to provide buildings and contents insurance products to our customers
The Products available are:-
Buildings Insurance - Includes your walls, roof, windows and anything else that forms part of the structure of your home, such as fixtures and fittings like your kitchen and bathroom. We'll pay to repair your home if it is damaged by something covered by your policy, for example, a flood or fire.
Contents Insurance - Contents are the items in your home that could be taken with you if you moved house including furniture, carpets, laptops and clothing. We'll pay to repair or replace the contents of your home if they're lost, stolen or damaged by something covered by your policy, for example, a flood or fire.
Buildings & Contents Insurance – Combining the above into one policy.- If you're considering buildings and/or contents insurance to protect a mortgage you have applied for with the Society, please remember, Buildings insurance is a condition of taking out a mortgage with us, you're under no obligation to take buildings insurance with RSA and your choice will have no impact on our lending decision.
- When you continue to RSA's website you can answer some questions to help you calculate how much insurance you need. You'll also find full information about the products on offer, including what they insure you for and what they don't. You can get a personalised quote and apply for cover using RSA's quick and straightforward application process.
- It's important to understand that you'll be dealing directly with RSA and we will not provide you with a personal recommendation. RSA's website includes a helpful web chat facility to deal with any queries or provide assistance so that you have all the information you need to make the right choice for your circumstances.
- We won’t charge a fee for our service. You will receive a quotation which will tell you about any other fees relating to this insurance policy.
YBS receive a commission from RSA which is a percentage of the total annual premium paid by you each year. We may also receive a share of the profit from the policies which we sell, if RSA calculates that a profit has been made.
By continuing, you are confirming that you have read and understood the above, have read the
Important Information Insurance Document and are happy to proceed to RSA's website.
*Calls to 0800 numbers are free of charge from a landline or mobile. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.
- We’ve chosen to work with RSA to provide buildings and contents insurance products to our customers
The Products available are:-
Buildings Insurance - Includes your walls, roof, windows and anything else that forms part of the structure of your home, such as fixtures and fittings like your kitchen and bathroom. We'll pay to repair your home if it is damaged by something covered by your policy, for example, a flood or fire.
Contents Insurance - Contents are the items in your home that could be taken with you if you moved house including furniture, carpets, laptops and clothing. We'll pay to repair or replace the contents of your home if they're lost, stolen or damaged by something covered by your policy, for example, a flood or fire.
Buildings & Contents Insurance – Combining the above into one policy.- If you're considering buildings and/or contents insurance to protect a mortgage you have applied for with the Society, please remember, Buildings insurance is a condition of taking out a mortgage with us, you're under no obligation to take buildings insurance with RSA and your choice will have no impact on our lending decision.
- When you continue to RSA's website you can answer some questions to help you calculate how much insurance you need. You'll also find full information about the products on offer, including what they insure you for and what they don't. You can get a personalised quote and apply for cover using RSA's quick and straightforward application process.
- It's important to understand that you'll be dealing directly with RSA and we will not provide you with a personal recommendation. RSA's website includes a helpful web chat facility to deal with any queries or provide assistance so that you have all the information you need to make the right choice for your circumstances.
- We won’t charge a fee for our service. You will receive a quotation which will tell you about any other fees relating to this insurance policy.
YBS receive a commission from RSA which is a percentage of the total annual premium paid by you each year. We may also receive a share of the profit from the policies which we sell, if RSA calculates that a profit has been made.
By continuing, you are confirming that you have read and understood the above, have read the
Important Information Insurance Document and are happy to proceed to RSA's website.
*Calls to 0800 numbers are free of charge from a landline or mobile. Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.