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Home Insurance

Buildings and Contents Insurance

Protecting your home inside and out.

Find out more about building and contents cover

Contents Insurance

Covers up to £50,000 as standard, which can be increased.

Find out more about contents insurance

Buildings Insurance

Unlimited buildings cover for emergencies such as storm damage, fire and escape of water.

Find out more about buildings insurance

Why choose first direct for cover?

Have the confidence of knowing that should something go wrong, the award winning claims team will be on hand 24 hours a day – every day
Independently rated 5 stars by industry expert, defaqto
Choose the cover that’s right for you with ‘Optional Extras’
Spread your payments over 12 months at no extra cost

51% of customers paid a total of £300.39 per year or £25.03 per month between 1 April 2023 and 30 June 2023. The price you pay will depend on individual circumstances and cover chosen.

first direct Home Insurance is underwritten by Aviva Insurance Limited

What home insurance cover do you need?

Show the section Buildings and Contents Insurance

If you own your property, then combined buildings and contents insurance cover makes perfect sense. first direct home insurance provides the same levels of cover as single cover, but can be more cost effective. If you want specific cover, such as home emergency or accidental damage, our optional extras allow you to tailor your cover to your exact needs, so you’re not paying for unnecessary cover.

Get a quote >

Show the section Contents Insurance

Cover against fire, smoke, lightening, storms and floods; escape of water and frozen pipes up to £50,000 (or a specified sum)
Cover for watches, jewellery and precious metals; we’ll even cover your coin, stamp and medal collections, too, with our Valuable contents cover up to £10,000
Contents temporarily removed from home up to £5,000
Contents in your garden up to £1,000
Religious festivals and wedding gift cover up to £3,000
Tenants liability up to £15,000

Get a quote >

Show the section Buildings Insurance

Loss or damage to the structure of your home (including garages and outbuildings) up to the buildings chosen sum
Cost of alternative accommodation (and loss of rent due to you) if your home can’t be lived in following insured damage up to £80,000 or 20% of the building chosen sum
Sourcing a domestic water leak which is damaging the home (including making good after the leak’s been fixed) up to £5,000
Replacement of external door locks if keys are lost or stolen up to £1,000

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Show the section What's not covered?

Damage from wear and tear, electrical and mechanical breakdown, or gradual deterioration
Storm damage to fences, gates and hedges
Certain loss or damage (e.g. from burst pipes) to buildings or contents when your home is unoccupied for more than the number of days selected
Certain loss or damage (e.g. theft, or malicious damage) caused by you, paying guests or tenants

Take a look over our policy wording, which covers full details of what's not covered.

Show the section Limitations

Certain limitations may apply to your policy.

For example:

– the excess (the amount you have to pay on any claim)

– monetary limits for certain covers

– clauses that exclude certain types of loss or damage

Please make sure you read the first direct Home Insurance Product Information Document before getting a quote or applying. You'll find full details in our Policy Booklet.

Show the section Home emergency cover

up to £1,000 for labour, parts and materials per incident
hotel accommodation costs up to £1,000 if your home is uninhabitable
no excess to pay
£500 boiler contribution for boilers declared beyond economical repair
loss of essential services e.g. boiler breakdowns
roof damage following a storm
plumbing emergencies
electrical emergencies and breakdown
lost keys or damage to locks, doors and windows
pest infestation of rats, mice, wasps or hornets.

Restrictions

Not all types of heating systems and boilers are included in home emergency cover
Home emergency cover isn't a service and maintenance product and doesn't cover damage due to wear and tear (e.g. dripping taps)
Doesn't cover breakdown of electric showers or domestic appliances like washing machines, and doesn't cover problems you were already aware of when you bought cover.

Show the section Legal expenses cover

Legal expenses cover provides you with a lawyer if you need one, and up to £50,000 of legal costs to pursue or defend a wide range of disputes including:

personal injury
employment
property
medical negligence
consumer issues.

Restrictions

We will only accept your legal expenses claim if our lawyer believes you are likely to win the case. Conditions also apply if you want to nominate your own lawyer to represent you.

Show the section Accidental damage - buildings

putting your foot through the ceiling
hammering a nail through a pipe
damaging wood or tiled flooring.

Restrictions

the excess(es) shown on your schedule
damage caused by wear and tear, settlement and shrinkage, vermin, insects, fungus, weather conditions, or any damage which happens gradually
damage caused by chewing, scratching, tearing or fouling by domestic animals
damage caused by faulty materials or design, or poor workmanship.

Show the section Accidental damage - contents

knocking over a favourite ornament and damaging it
sitting on your glasses at home
spilling a drink on your carpet
damage to portable computers when in the home.

Restrictions

the excess(es) shown on your schedule
food in freezers, clothing, contact lenses, stamps and pedal cycles
damage caused by wear and tear, light, weather conditions, moths, vermin, insects, fungus, damp, rust, wet or dry rot, or anything which happens gradually
damage caused by chewing, scratching, tearing or fouling by domestic animals.

Show the section Personal belongings

Protect your personal belongings, wherever you are in the world
You can select cover between £2,000 and £10,000 with a single item limit of £1,500.

Restrictions

Limitations apply to personal belongings stolen from an unattended vehicle
We don’t cover snowboards, skis (including sticks and bindings), water skis, sub-aqua equipment, riding tack, contact lenses and hearing aids under the Personal Belongings option unless we have specifically agreed to do so.

Show the section Pedal cycles

Covers you between £300 and £2,500 towards loss or damage

Restrictions

loss or damage to tyres or accessories unless the pedal cycle is stolen or damaged at the same time
theft while away from the home, unless in a building or securely locked to an immovable object.

Show the section Clerical business equipment cover

Up to £5,000 of cover is available for loss, damage or theft of clerical business equipment, including £500 of cover for stock and samples used in connection with your employment when stored at your home
Up to £300 for business money and credit cards used for the purpose of your business.

Restrictions

Clerical business stock or trade samples doesn't include wines, spirits or tobacco, furs, antiques or works of art, jewellery, precious metals or stones, or any articles made from them, chemicals or any hazardous materials.

Are you eligible?

Please ensure you can answer YES to the following questions:

Are you over the age of 16?

Is your property in the UK?*

*Excluding Channel Islands and Isle of Man

Useful documents

If you're a homeowner in the UK and want to temporarily welcome Ukrainian refugees into your home as non-paying guests, you don't need to tell us. Your home insurance cover will stay the same and provide cover for visitors.

We’d encourage you to check your policy to make sure it covers your needs. Be aware of any existing terms in your policy that might apply to visitors and get in touch with us if you want to discuss your cover.

Get a Home Insurance quote

Not covered yet?

Get a quote Get a quote button Retrieve a quote Retrieve a quote button

Apply quickly online for either Buildings or Contents or both (minimum premiums and T&Cs apply). Or give us a call:

Telephone: 03 456 100 101

Available Mon-Fri, 8am-8pm, Sat, 8am-6pm and Sun, 10am-4pm. On public holidays opening hours may vary.

For details on how we use your personal information, please see our Privacy Notice (PDF). first direct Home Insurance is provided by Aviva Insurance Limited. Please read Aviva's Privacy Notice shown within the application.

Existing Customer?

If the worst happens, we’ll do everything we can to help and to make the claims process easy for you. If there's been an emergency or if you’d like to make a claim over the phone, call us so we can help you as soon as possible. Lines are open 24/7

Telephone: 03 453 006 032

Before you make a claim, make sure you have:

Your insurance policy number
Receipts, quotes or invoices
An estimate of the size of the affected area
Photos of damaged or lost property (if you have any)