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.
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.
Halifax home insurance has a 5-star rating from Defaqto and is underwritten by Lloyds. There are two levels of cover:
Halifax’s home insurance has several cover benefits as standard, including the following:
| Cover benefits | Home Insurance | Home Insurance Ultimate |
| Buildings cover | ||
| Private residence cover (Overall cover) | Up to £500,000 | Unlimited |
| Outbuildings cover | Up to £500,000* | Unlimited |
| Accidental damage cover | Up to £500,000* | Unlimited |
| Replacement of sets cover | Not available | Unlimited |
| Contents cover | ||
| Private residence cover (Overall cover) | Up to £75,000 | Unlimited |
| Contents in outbuildings and in the open cover | Up 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 damage | Up to £75,000 (optional) | Unlimited |
| Replacement of sets cover | Not available | Unlimited |
| High-risk items | £10,000 as standard | £10,000 as standard |
| Personal belongings away from home | Up to £15,000 (optional) | Up to £25,000 (optional) |
| Students’ contents away from home | Up to £10,000 (optional) | Up to £10,000 (optional) |
| Pedal cycle cover | Up 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.
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:
The following options can also be added to either a Halifax Home Insurance or Home Insurance Ultimate policy:
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.
The cost of your home insurance will be influenced by the following factors:
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:
You may also need to provide the following additional details:
You should always notify your insurer of an incident as soon as possible. If you don’t, your claim may be rejected.
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.
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