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Home insurance

When you buy home insurance, we fund projects that reduce carbon emissions.

We'll offset 10% of your home’s energy CO2 emissions for the first year of your policy at no extra cost to you*

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*Calculated from the average UK home emitting 3.9 tonnes of CO2-equivalent greenhouse gases from energy use, based on 2017 typical household energy consumption from Ofgem and 2018 government-published figures from DfBEIS.

Home insurance

Buildings insurance

Buildings insurance 

It's good to know that our buildings insurance could help rebuild your home should the worst happen.

Buildings insurance from as little as £89

10% of our new customers paid £89 or less for buildings only policies Apr 18 - Jun 18. Excludes optional extras.

Contents insurance

Contents insurance 

If your contents get damaged, our contents insurance could help you get back to normal as quickly as possible.

Contents insurance from as little as £49

10% of our new customers paid £49 or less for home contents policies Apr 18 - Jun 18. Excludes optional extras.

Why choose us? 

  • Guaranteed 30% No Claim Discount - if no claims or losses within previous 12 months
  • the option to choose your own excess - choose a higher excess to make your premium lower. See exclusions
  • up to £50,000 legal expenses cover - included as standard. In association with Co-op Legal Services. See exclusions
  • a range of optional extras - for peace of mind that you have the right level of cover should something happen in your home
  • UK call centres for help with your quote and customer service.

Please note: If your home was built before 1850, please see our guide to older properties.

If you're a landlord please see our guides to landlord insurance.

Optional extras 

On top of your standard cover, you can also add extras to protect what’s most precious to you:

As you may expect, our features are subject to limitations and/or exclusions, so please speak to our call centre or view our policy documents online for further details.

Calls may be monitored or recorded for security and training purposes. First notification of a claim outside of normal working hours will be answered in Eire.

Applicants for insurance are subject to normal underwriting criteria.

A new customer is someone who has not had a combined buildings and contents policy with Co-op Insurance in the last 12 months.