esure Home Insurance

Emergency situations cannot be anticipated meaning people are rarely financially prepared if their home suffers an accident, adverse weather damage, a fire or theft.

Building repairs are expensive and with most properties holding approximately £25,000 of contents, home insurance is a good way to be ready for the worst.

Home Insurance is generally separated into buildings and content cover. You can normally purchase these policies together as one joint cover plan from most providers or you can purchase them separately.

Buildings insurance will cover the structure of your building and will include the walls, windows, floors and ceilings; it will also include the fixed amenities in your household, such as the bathroom and kitchen suites.

Contents insurance will cover your personal items, including jewellery, as well as your electronics, carpets, curtains etc. Providers will usually offer other options which you can add on if you need them.

esure Home Insurance Review

For the first twelve months of your policy, you can add on for free Family Legal Protection or Home Emergency Cover. This is a huge saving for people who are interested in this kind of cover.

You are also able to buy buildings and content insurance together for a discount or separately if you prefer.

Buildings Cover

• Unlimited insurance for buildings
• Cover for lock and keys up to £1,000
• Property owner’s liability up to £2 million

Contents Cover

• You can receive new items for your old items
• Garden contents are insured for up to £2,000
• Personal money insurance up to £750
• Students are covered up to £5,000
• Seasonal cover (4 weeks before and after a religious festival, receive an extra 15% of the contents sum insured)
• Your home office equipment is insured for up to £1,000

Optional extra features

Pest Cover

They will cover the cost of the call and extermination of a pest infestation up to the total cost of £150.

Annual Travel Insurance

esure provide annual travel insurance with which you get cover for an unlimited amount of trips worldwide per year. Trips can be no longer than 30 days.

Personal possessions cover

With personal possessions cover, your belongings will be covered while they are away from your home.

Free additional protection

With an esure home insurance policy you have the option of choosing one of these policies free for a year:

Family Legal Protection

Access to expert lawyers with up to £50,000 legal costs covered for you and your family.

Home Emergency Cover

With this cover, esure will arrange for a contractor to visit your home and carry out the emergency repairs. Call-out charge, labour cost, parts and materials are insured up to a limit of £500.

esure offers an affordable range of options and is flexible in terms of what you take out. Their incentives include a discount for taking out both contents and buildings insurance and free Emergency Cover or Family Legal Protection. This allows you to try one of these options cost-free or save money on something you were going to purchase anyway.