Home Insurance
Choose the right base cover and add all the extras for just the right level of protection.
How to get a quote
Why choose us?
- Home Insurance underwritten and serviced through RSA, a longstanding relationship with YBS for over 15 years.
- RSA are one of the world's most longstanding insurers with over 300 years of experience in helping customers.
- Premiums can be paid annually or monthly (at no extra cost).
We offer Core Buildings Only, Core Contents Only.
Or you could combine them into Core Buildings & Contents Cover.
Core Buildings
£1million as standard
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.
Cover for garages, outbuildings and other structures, such as drives and patios.
Exclusions and limitations will apply.
Find out moreCore Contents
up to £60k as standard
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.
Exclusions and limitations will apply.
Find out more
Looking for even more cover? You have all these extras to add:
- 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.
1 Core Buildings - Sudden, unexpected and visible damage which hasn’t been caused on purpose to your buildings - including glass and windows, ceramic hobs or sanitary ware fixed to the home and accidental breakage of drains and pipes providing services to or from your home.
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:
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.
Important Information
As an intermediary, we act on behalf of RSA in arranging your insurance. Your insurance will be underwritten and administered by RSA (Royal and Sun Alliance Insurance Ltd) (No 93792). Registered in England and Wales at St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We do not ask you to pay a fee but we 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.
Already have insurance with us?
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