Halifax home insurance

Halifax offers two levels of insurance cover against damage to your house or belongings. Compare your options now.

3.8 ★★★★★ (679 reviews) Write a review
Halifax
Customer rating
★★★★★
Satisfaction survey
Customers reported great customer service, including in branch
Only two levels of cover to choose from

If you’re looking to protect your house and contents, you have a number of options when it comes to home insurance. Halifax has a 5-star rating from Defaqto and offers unlimited cover on its comprehensive Ultimate policy. See if it may be right for you here.

What is Halifax?

Halifax is a British bank and a subsidiary of Lloyds Banking Group. Founded in 1853, it offers traditional banking products and services as well as home, car, life, business and travel insurance.

What are Halifax’s cover options?

Halifax home insurance has a 5-star rating from Defaqto and is underwritten by Lloyds. There are two levels of cover:

  • Halifax Home Insurance. This is the basic level of cover, and you can tailor the policy using a range of additional cover options to better meet your needs.
  • Halifax Home Insurance Ultimate. This is a more comprehensive policy, which offers extra cover as standard and higher limits.

What is covered under my policy?

Halifax’s home insurance has several cover benefits as standard, including the following:

Cover benefitsHome InsuranceHome Insurance Ultimate
Buildings cover
Private residence cover (Overall cover)Up to £500,000Unlimited
Outbuildings coverUp to £500,000*Unlimited
Accidental damage coverUp to £500,000*Unlimited
Replacement of sets coverNot availableUnlimited
Contents cover
Private residence cover (Overall cover)Up to £75,000Unlimited
Contents in outbuildings and in the open coverUp to £5,000 in outbuildings (optional)

Up to £1,000 in the open cover (optional)

Up to £10,000 in outbuildings

Up to £2,000 in the open cover

Accidental damageUp to £75,000 (optional)Unlimited
Replacement of sets coverNot availableUnlimited
High-risk items£10,000 as standard£10,000 as standard
Personal belongings away from homeUp to £15,000 (optional)Up to £25,000 (optional)
Students’ contents away from homeUp to £10,000 (optional)Up to £10,000 (optional)
Pedal cycle coverUp to £10,000 (optional)Up to £10,000 (optional)
Specified items cover (worth over £3,000 individually)Up to £30,000 (optional)Up to £50,000 (optional)

*These limits are included as part of the overall Private residence cover and not additional cover.

For a full list of the features, check out Halifax’s home insurance policy documents.

Optional extras

As detailed in the table above, Halifax offers the following options that can be added to your Home Insurance policy and are covered as standard under a Home Insurance Ultimate policy:

  • Accidental damage cover
  • Outbuildings cover
  • Contents in outbuildings and in the open cover

The following options can also be added to either a Halifax Home Insurance or Home Insurance Ultimate policy:

  • Personal belongings away from home cover
  • Pedal cycle cover
  • Students’ contents away from home cover
  • Legal expenses cover (up to £50,000)
  • Home emergency cover

What is my excess?

Your excess is the amount you will have to pay when making a claim, and an insurer will not pay out for a claim that is lower than your excess.

The compulsory excess is determined by factors including the age of your house, but you may also be able to set a voluntary excess on top. By adding or increasing your excess, you can reduce the cost of your insurance premium, but you will need to pay the higher excess when you make a claim.

Specific details about your compulsory and voluntary excess can be found in your Halifax policy document.

How much is this going to cost me?

The cost of your home insurance will be influenced by the following factors:

  • The level of cover you choose. The basic Halifax Home Insurance policy will be cheaper than the more comprehensive Home Insurance Ultimate policy, but it offers less cover. The cost will also be determined by any optional extras you add to your policy.
  • Your sum insured. This is the total amount you wish to insure your home for. The higher the amount, the higher your premium is likely to be.
  • Your home. The type of home you have, as well as its location, will influence the price of your policy.
  • Where your home is located. Certain areas are more at risk to things such as theft, fire or flood, and insurers use this information when calculating your premium.
  • Security. If you’ve installed security features to deter thieves or protect against natural disasters, you may receive a lower premium.

What is the claims process for Halifax?

The specific claims process you will need to follow will be detailed in your policy document, but you will generally need to provide the following information when making a claim:

  • Your personal contact and policy details
  • The date and time of the incident
  • The cause of the incident
  • The value of any lost or damaged items you are claiming
  • Names and addresses of any other people involved in the incident as well as any injuries sustained

You may also need to provide the following additional details:

  • Supporting documents such as original purchase receipts or invoices, manual booklets or photographs, bank statements, utility bills, plans or deeds of your property
  • Purchase dates and purchase location of lost or damaged property
  • Confirmation from an expert that the damaged property you are claiming for cannot be repaired

You should always notify your insurer of an incident as soon as possible. If you don’t, your claim may be rejected.

Halifax pros and cons

Pros

  • Halifax’s buildings and contents home insurance has a 5-star rating from Defaqto
  • You can tailor the policy to meet your needs using additional cover options
  • The Home Insurance Ultimate policy offers unlimited cover on many claims
  • 24/7 emergency helpline
  • 10% cheaper when you get your quote and buy online

Cons

  • Sum insured amount is limited to £1 million on the basic policy
  • Only two levels of cover to choose from

Home insurance ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis of policies. We also show reviews from users, where we've received more than 10, in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Written by

Helen Champion

Helen Champion was an associate editor at Finder. She has worked in communications for over 16 years and currently writes on a range of topics including insurance and money transfers in the hope of empowering people to make better financial decisions. During her broadcast career, she helped to produce hundreds of news and breaking news reports for Associated Press TV and ITV News. And in public relations, she managed several high-profile public relations campaigns for Macmillan Cancer Support, the General Medical Council and overseas for Qatar Foundation on behalf of BLJ Worldwide. Helen has a Bachelor of Arts in Journalism from the University of Lincoln, a passion for practising karate in the dojo and a deep love of making mischief with her sons. See full profile

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