Home Insurance

Dial Direct offers home insurance that can be tailored to your individual needs and lifestyle. After all, there’s no place like home.

  • £50,000 Family Legal Protection cover included as standard
  • 87% of Review Centre users recommend us
  • Alternative accommodation
  • Home Emergency Assistance included as standard
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Whilst home insurance isn’t a legal requirement, it does protect you financially if you need to repair your home or replace any belongings that have been stolen, damaged or destroyed. With Dial Direct you can purchase Buildings Insurance, Contents Insurance or Buildings and Contents insurance.

Dial Direct Home Insurance features and benefits include:

  • Your home, outbuildings and contents are protected against many causes, including fire, smoke, subsidence, storm or flood, escape of water, or theft

  • Cover for the cost of alternative accommodation for you during the period your home has been made uninhabitable following a claim

  • Up to £5,000 cover for tracing and accessing leaks inside your home

  • Cover for damage to freezer contents, loss of oil and metered water, and theft of money from your home

Remember that:

  • Storm damage to fences and gates will not be covered

  • Cover is not provided for damage caused by wear and tear, or damage that happens gradually over time

  • The cost of replacing any undamaged item forming part of a set or suite will not be covered

  • Cover is not provided for the loss or damage if your home is unoccupied for longer than the permitted period under the terms of your policy

  • If you require cover for loss or damage to pedal cycles you must individually list each pedal cycle under Personal Possessions section

What will I get, as standard, with my Dial Direct Building and Contents Insurance policy?

Family Legal Protection

  • Family Legal Protection

    Our Family Legal Protection is included as part of our standard policy. It is designed to help you through a range of difficult and often stressful legal situations.

  • What is Family Legal Protection?

    We understand that being in a legal dispute can feel isolating, especially when you are unsure who to turn to for advice. That’s why we designed our Family Legal Protection benefit to provide you with legal advice and financial support when it really matters.

  • Why would I need Family Legal Protection?

    This benefit covers you and your family for disputes that may require legal advice and financial support.

    Find out more
  • Home Emergency Assistance

    We understand how inconvenient it is when things go wrong in your home. That’s where Dial Direct Home Emergency Assistance can provide help with a range of home emergencies, giving you peace of mind.

  • What is Home Emergency Assistance?

    Help dealing with domestic emergencies in your home at no extra cost.

  • Why would I need Home Emergency Assistance?

    This cover can take a lot of the stress away from you when it all goes wrong. For example, it can cover your for overnight accommodation costs following a home emergency which has left your home unsafe, unsecure or uncomfortable to stay in.

    Find out more
  • Alternative Accomodation Benefit

    Have you thought about what your options would be if your home was damaged and you were unable to live there? Would you have somewhere to go?

  • What is the Alternative Accommodation Benefit?

    When making a claim that is covered under your policy, we will make sure that you and your family have a roof over your head whilst the claim is in progress. This is included as standard with our Dial Direct Home Insurance policies.

  • Why would I need the Alternative Accommodation Benefit?

    Knowing that you’ll be provided with a roof over your head in the event of a claim, gives you peace of mind that Dial Direct would be there to support you.

  • Replacement Locks and Keys Benefit

    Do you have a spare pair of keys in case you lose yours? Or would you want to cover the expense and hassle of arranging new locks if your keys were stolen?

  • What is the Replacement Locks and Keys Benefit?

    Cover for your locks and keys if they are lost or stolen.

  • Why would I need the Replacement Locks and Keys Benefit?

    This policy benefit makes sure you have peace of mind if your home becomes unsecure following the loss or theft of your keys.

  • UK claims helpline

    Our dedicated helpline is open 24 hours a day, 7 days a week. To make a home insurance claim, please call our Claims Helpline on 0344 209 0449

    Find out more
  • UK Contact centre

    Please refer to your policy document for full terms, exclusions and limitations. If you have any further questions on the cover your policy offers please contact our Customer Service Team on 0344 412 2138

    Find out more

Home Insurance questions answered:

  • What different types of home insurance are available?

    There are two standard types of home insurance that can be purchased in the UK; buildings insurance and contents insurance. Buildings & contents Insurance can be also be purchased together. If you own a property that you rent out; you can also purchase landlord insurance.

    Buildings insurance covers the structure of your house including your walls, windows and roof as well any permanent fixtures such as your bathroom and kitchen fittings. Buildings insurance also usually extends to outdoor buildings that are within the boundaries of your property.

    Buildings insurance policies vary depending on the provider but typically a policy should insure your home in case of fire, flood, subsidence, burst pipes, falling trees and theft of contents. Most insurers offer additional cover options and products that can be added to your insurance policy should you require them.

    Tenants do not need to worry about buildings insurance as it is the landlord’s responsibility to cover their owned building. Although, contents insurance as a standalone product is often taken out by those who are renting an unfurnished property.

    Contents insurance is designed to protect the items within your home. A contents insurance policy protects your belongings from theft or damage from fire and flooding.

    Most insurers offer the option of purchasing buildings and contents insurance together as one policy.

    Dial Direct offers both buildings and contents insurance policies that can be tailored to your individual needs. Our buildings and contents insurance policy comes with Home Emergency Assistance and Family Legal Protection as standard. To get a quote today click here.

  • How much contents cover do I need?

    The amount of contents cover that you need is dependent upon the belongings that you own and want to cover as part of your contents insurance policy. When you take out contents insurance you will need to provide the insurer with an accurate idea of how much the items in your house are worth. Failure to do so could result in you being out of pocket if you make a claim.

    A quote by Policy Expert, ‘the Association of British Insurers estimates that the average three bedroom family house in the UK contains items worth a total of £55,000’. This means that if the entire contents of your home was to be damaged by a flood and you only stated that your belongings were worth £20,000; a claim pay out may leave you short so it’s important to make sure your insurance policy reflects the true value of your contents . Most insurers have a ‘standard amount’ that they will insure you for, it is worth ensuring that this meets your needs.

    With Dial Direct Contents Insurance you can choose the level of cover that is right for you. To get a home insurance quote click here.

  • Why should I buy home insurance?

    Unlike motor insurance, you can legally own a home without purchasing home insurance. That said, home insurance is there to safeguard and protect either the structure of your home, the contents within it or both.

    It’s easy to weigh up the odds and think ‘I will be fine’ but what if there was a fire in your home or the roof was to be damaged in a storm? Would you be able to pay for the repair? Home insurance is also there to help replace belongings, including furniture and electronics that have been stolen or damaged by a fire or flood. If you cannot stay in your home after a flood or fire, your home insurance may also help to pay for temporary accommodation.

    There really is no place like home so surely it’s worth protecting your investment? With Dial Direct’s Home Insurance policies you can tailor your policy to suit your needs. To get a home insurance quote click here.

  • What information do I need to get a home insurance quote?

    When you apply a home insurance quote, you will be asked a number of questions about the structure and contents of your home. To make sure the insurer has all of the information needed to provide you with a quote, make sure you have the following details to hand:

    Details about the structure of your home:

    • Your house number, postcode, property type (e.g. Flat, semi-detached house)
    • Number of bedrooms
    • What year your home was built
    • Whether your roof is flat or pitched
    • The number of people that live in your house

    Details about the security of your home

    • What type of lock your home has
    • Whether you have a security alarm

    Details about the rebuilding cost and value of contents of your home

    • How much your house would cost to rebuild
    • How much the contents of your home are worth
    • Whether you have any specific contents you want additional cover or ‘cover outside of the home’ for (e.g. bicycles, mobile phones)

    Please be advised that you may be asked for additional information to that stated above, dependent upon the insurer’s requirements and question set.

    To get a home insurance quote with Dial Direct Insurance click here. We can help protect your home against fire, flooding, storm damage and theft.

  • What factors could affect how much I pay for my home insurance policy?

    Factors such as the area you live in, your homes proximity to water, the number of trees near your home and how many claims you have previously made can all have an effect on the cost of your home insurance. The basic rule is that the greater risk of loss or damage to your property; the higher your premium could be.

    Where you might deem these factors a little unfair, these factors are crucial to what your insurance premium is set at. For example, some areas are prone to flooding where others are affected by some seriously big tree roots which may cause subsidence. Some neighbourhoods have high crime rates where others may be in the middle of nowhere. So as you can see, one size doesn’t fit all when it comes to home insurance.

    Other factors that may influence your insurance premium include:

    • The structure of your property
    • Security measures in place such as alarms
    • Your homes proximity to water
    • The size of the property
    • Your claims history

    Dial Direct offers home insurance to cover your property and its contents, to get a quote click here.

  • What does Dial Direct Buildings Insurance cover me for?

    Dial Direct Buildings Insurance will cover your home and any outbuildings that are within the boundary of your property, for damage, up to £1 Million, subject to terms and conditions. See the below breakdown of what Dial Direct will cover you for as part of our standard Buildings Insurance policy.

    What is covered with Dial Direct Building Insurance?

    • £1million damage to your home and any outbuildings within the boundary of your property, subject to terms and conditions
    • Property owners liability up to a limit of £2million
    • Accommodation fees up to £15,000 or 20% of the buildings sum insured (whichever is lower) should your home be uninhabitable following an event where a claim has been made

    What events are covered with Dial Direct Buildings Insurance?

    • Fire and smoke damage
    • Storm and flood damage (including lightning, thunderbolt and earthquake damage)
    • Water and oil damage from any appliance or fixed water or heat installation
    • Vandalism or malicious acts (including riots, strikes and civil commotion)
    • Theft and attempted theft
    • Subsidence, heave or landslip within the boundaries of your land
    • Damage caused by falling trees

    Please refer to the policy for full terms, exclusions and limitations.

    To get a Dial Direct Home Insurance quote, please click here.

  • What does Dial Direct Contents Insurance cover me for?

    With Dial Direct Home Insurance you will be covered for the repair or replacement of the contents of your home if they’re damaged or stolen. Contents cover is available from £15,000 to £99,000. Please see the below breakdown of what Dial Direct Contents Insurance can cover you for as part of our standard Contents Insurance policy.

    What is covered with Dial Direct Contents Insurance?

    • Non-permanent fixtures, fittings and appliances
    • High risk items that are worth more than £1,500 if specified
    • Personal belongings with the option to insure items outside of the home
    • Up to £3,000 office equipment and furniture cover if you run your business from home
    • Freezer contents up to £500.00 per claim
    • Alternative accommodation if your home is uninhabitable as a result of a contents claim event
    • Up to £500 cover if your credit/debit cards or cash are stolen from your home
    • Personal liability up to £2,000,000
    • A 10% increase in cover over Christmas, during religious festivals and before and after weddings
    • Cover for replacement keys and locks up to the value of £500

    What events are covered with Dial Direct Contents Insurance?

    • Fire and smoke damage
    • Storm and flood damage (including lightening, thunderbolt and earthquake damage)
    • Water and oil damage from any appliance or fixed water or heat installation
    • Vandalism or malicious acts (including riots, strikes and civil commotion)
    • Theft and attempted theft
    • Subsidence, heap or landslip within the boundaries of your land
    • Damaged caused by falling trees

    Please refer to the policy for full terms, exclusions and limitations.

    To get a Dial Direct Home Insurance quote, please click here.

Please refer to your policy document for full terms, exclusions and limitations. If you have any further questions on the cover your policy offers please contact us on our helpline.

Tailor your insurance package

Dial Direct offers premium insurance products with a wide range of features and benefits, allowing you to build a truly comprehensive insurance product that fits with your needs and lifestyle. When selecting a product, please make sure that it meets your individual insurance needs.

Family Legal Protection

Legal assistance and confidential advice to help you when you are involved in a legal dispute

Find out more
 

Keycare

Comprehensive cover for lost or stolen keys, as well as replacement locks for your home and vehicle

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Home emergency cover

Peace of mind for you in the case of a home emergency

Find out more