Every home is individual, your cover should be too

Home insurance where you choose the extra cover you need.

Like any cover, limitations and exclusions apply.

Home insurance that puts you in control

We recognise that every one of our customers is different, and when it comes to buildings and contents insurance, a traditional one size ‘standard package’ doesn't always suit everyone.

That's why we developed ‘You Choose’ Home Insurance which allows you to tailor your cover to suit you, giving you more control over how much you pay for it.

Our 'You Choose' home insurance ensures you’re not paying for things you don’t really want or need. It's designed to work around you and your lifestyle, and gives you cover that’s tailored to your specific needs. Like any cover, limitations and exclusions apply.

Only pay for the cover you need

Take a look at some of the features of our product:
  • Tailored product to suit your needs - only pay for the cover you need
  • A flexible and modern product - you can even protect your music downloads
  • No claims discount available
  • Interest free on your direct debit payments - no hidden fees
  • No fees for mid-term adjustments or cancellations of your You Choose policy
  • Dedicated UK based Call Centre
  • Exclusions and limitations apply

Up to £50 to help with any cancellation fees incurred by switching

Terms & Conditions apply

Exclusive 15% off any new ‘You Choose’ policy

  • This discount is available to all new customers who take out any of the core cover options of a new ‘You Choose’ policy
  • Existing ‘You Choose’ customers are not eligible
  • The discount applies for the first year of the policy only
  • The offer can be withdrawn at any time

Note: the discount will automatically be applied when requesting a quote.

T&Cs also available as a pdf: Terms and Conditions (122 KB)

Core Cover

  1. Core Buildings Only

    • The Core Buildings Only option provides £500,000 worth of cover as standard
    • It covers the structure of your home and would pay out to repair or rebuild your home if damaged, for example, by a fire, flood or falling tree
    • Following an escape of water or oil from a household heating or water system, we will pay the cost of removing, repairing or replacing any part of the buildings necessary to locate the source of the escape.
  2. Core Contents Only

    • The Core Contents Only option provides £60,000 of cover as standard
    • It protects the things you own in your home. For example, if you were burgled and items were taken or you suffered a fire in your home, your Core Contents insurance would pay out to help replace your lost or damaged contents
    • It covers items such as furniture, carpets, curtains and free-standing white goods - for example, fridges, cookers and dishwashers

    Note: Core Contents cover does cover items that are included in the Extra Cover Options for example, jewellery (personal items) or televisions (technology & entertainment) while in your home. Core contents does not include items covered under Buildings or Garden option.

  3. Core Buildings & Contents Cover

    This Core option combines all elements of Core Buildings Only and Core Contents Only.

    Important Information

    Please note: there are limitations and exclusions with all home insurance policies. Further details are available when you get a quote

There's more cover than you might expect

Depending on the Core Cover Option you choose, these benefits are included at no extra cost:

  • 'New for old' cover on items that are stolen or damaged
  • Cover for replacement locks and keys if stolen, lost or damaged
  • Contents cover automatically increases by £3,000 for items purchased for religious festivals, such as Christmas presents
  • Increase in cover for wedding gifts when you get married up to £3,000
  • Alternative accommodation if your home cannot be lived in, for example after a fire or flood

Extra Cover Options

Once you've decided on the Core Cover, add your choice of Extra Cover Options . There are a number of these, depending on your needs. You may find that not all of the Extra Cover Options will suit your circumstances. You can design your policy around you and your family's lifestyle.

The Extra Cover options are:
  • Technology and Entertainment
  • Personal Items
  • Garden
  • Accidental Damage
  • Home Emergency
  • Legal Expenses
Extra Cover Options

Extra Cover

  1. Technology and Entertainment

    Available with:

    • Core Buildings & Contents
    • Core Contents only

    Technology and entertainment items in and away from your home such as televisions, DVD players, satellite and digital receivers, music players, laptops, desktop computers, mobile phones, CDs, DVDs, game consoles and much more.


    • The standard level of cover offered by this option is £500 and this can be increased up to £15,000 to reflect your needs.
    • Items included in this option are automatically covered for accidental damage.
  2. Personal Items

    Available with:

    • Core Buildings & Contents
    • Core Contents only

    Items such as jewellery, watches, medals, money, credit cards, sports equipment, pedal cycles, camping equipment and wheelchairs/electric scooters for the infirm or disabled.


    • The standard level of cover offered by this option is £500 and this can be increased up to £25,000 to reflect your needs.
  3. Garden

    Available with:

    • Core Buildings & Contents
    • Core Contents only

    Items such as trees, shrubs, plants, hedges, lawns, gardening equipment and garden furniture.


    • The standard level of cover offered by this option is £500 and this can be increased up to £10,000 to reflect your needs.
    • It also covers items that are left in the garden, such as patio heaters or children's outdoor toys.
  4. Accidental Damage

    Available with:

    • Core Buildings & Contents
    • Core Buildings only
    • Core Contents only

    Accidental damage to either your building, or its contents, or both.


    • Ideal for families with young children, DIY enthusiasts or anyone looking for extra peace of mind.
  5. Home Emergency Assistance

    Available with:

    • Core Buildings & Contents
    • Core Buildings only
    • Core Contents only

    The cost of emergencies such as failure of the electricity supply, repairs to the plumbing or drainage system or the removal of vermin. It also helps with the cost of accommodation if you're unable to live in your home.


    • Up to £500 of cover per claim as standard
    • Provides a rapid response from specialist approved tradesmen, 24 hours a day, 7 days a week
    • All work carried out is fully guaranteed.
  6. Legal Expenses

    Available with:

    • Core Buildings & Contents
    • Core Buildings only
    • Core Contents only

    The costs of taking or defending legal action for

    • Personal injury - proceedings against another person or organisation as a result of an event which causes your injury, or death
    • Consumer protection - in relation to the sale or purchase of goods
    • Residential - in relation to your home
    • Employment - in relation to your employment or employer
    • Tax - a representative acting for you in a full enquiry by HM Revenue and Customs into your income and records.


    • Up to £50,000 of cover as standard.

Important Information

The maximum cover available across Personal Items, Technology & Entertainment and Garden options is £30,000.

Exclusions and limitations will apply to all Extra Cover Options you take. Further details are available when you Get a Quote.

How to get a quote

You should make sure you know what level of cover you want before obtaining a quote.
View the important information about our:Insurance Services document (60 KB)

All applications are subject to eligibility and underwriting. Limitations and exclusions apply.

Get a quote online

Get a quote using RSA's online form.

Get a quote

...or retrieve a previous quote online by logging in with your email address and PIN.

Making a claim

Our claims team will be able to answer your questions and give you the information you need to ensure that making a claim is straightforward, quick and hassle free.


Call to make a claim

Speak to a friendly adviser about your claim.

0345 0727 147*

9.00am - 5.00pm Mon-Fri

If you have selected the Home Emergency option and require assistance, they can be contacted 24hrs/7 days – 365 days of the year.

Home Emergency: 0345 0727 149

Step by step

If you’re making a Home Insurance claim, here is a step by step guide on what to expect:

  1. Contact us

    Please contact us on 0345 072 7147* to make a claim (we’re open from 9am - 5pm Monday – Friday.)

  2. Details of your claim

    Our claims team will then verify your details and ask for details of your claim. The more details you can provide during the first call, the quicker the claims process will be. Receipts for your contents may be required especially for valuable items, receipts will speed up the process of settling the claim.

  3. Putting things right

    Contents claim

    If you are claiming for accidental damage, our dedicated claims team will decide if the item could be a possible repair. They may allocate a supplier to inspect the item to help make this decision. If the item cannot be repaired our claims team will value your replacement on a like for like, new for old basis. We don’t make any deductions based on wear and tear. A supplier may also be allocated to value and replace the item. You may be given the option of a replacement or a cash settlement. You may also be asked for receipts and photos of the accident before settling. If cash is paid, the amount paid will reflect any discounts we may have received had we replaced the property.

    Buildings claim

    If you’re claiming for damage to your buildings, or for any large loss such as a flood, escape of water (for example a burst pipe), fire or subsidence, our claims team may send a personal claim specialist to your home to survey the damage caused and to assist with the management of your claim . Our dedicated claims team will then contact the correct tradesperson and suppliers to repair the damage and manage the process for you.

  4. Settling your claim

    If you take a cash settlement, this will be paid directly into your account where we take your direct debit from or we can issue a cheque. If your items are being replaced, the claim will be closed once you have received them. If a personal claims specialist has been appointed, your claim will be closed once you accept a cash settlement paid directly into your account, or all works are complete and replacement items provided. If any excess is due this will be requested before settlement of your claim. A number of well-known retailers around the UK are used so you could receive a gift card with the settlement amount applied. Please ensure you have a valuation of 3 years or less for any valuables/jewellery over £5,000.

Home Emergency assistance gives you £500 of cover and this usually assists in the following:

  • Failure of the electricity supply
  • Repairs to the plumbing or drainage system
  • Removal of vermin.
  • Securing a property when windows and/or doors have been damaged
  • It also helps with the cost of accommodation if you're unable to live in your home.

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 plc (No 92792). 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.