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Get peace of mind with five-star-rated* Home Insurance
Protect the things that matter most when the unexpected happens. Our Defaqto and Moneyfacts five-star-rated Home Insurance safeguards your property, giving you peace of mind in the face of weather, fire, theft, or other damage.
Sign up to become a customer then add Home Insurance via My Account, the UW App or by calling 0333 777 0221.
What is Home Insurance?
Home insurance protects you when things go wrong, from bad weather to burglaries, our Defaqto and Moneyfacts five-star-rated cover has your back.
Replacing a broken window or fixing flood damage can have an unexpected and severe impact on your bank account, but we're here to help.*
*Exclusions apply. Please refer to the Home Insurance policy documents.
What does Buildings and Contents Insurance cover?
At UW, our Buildings and Contents Insurance focuses on two different elements to give you the most extensive cover. For the foundations of your home, such as the walls and roof, there’s our buildings insurance. For everything inside, there’s our contents insurance.
Type of Cover | What does it cover? | Cover Limit |
|---|---|---|
Buildings Insurance | Covers the main structure of your home if you need to rebuild or repair it after a fire, flood or theft. | £1,000,000 |
Contents Insurance | Covering the value of your possessions in the home. | £80,000 |
Trace and access | Replacing parts of the building that were removed to help get to escaping water. | £10,000 |
Alternative accommodation | For you and your pets, in case you can't live at your home while it's being repaired after an insured event. | £45,000 (Buildings) |
Lock replacement | Cover to replace your locks should you lose your keys. | £1,000 |
Office equipment | Replacing any of the furniture, computers or other equipment that you and your family use for work. | £5,000 |
Digital information | If you lose information stored on your computer through a malicious program or an unauthorised source. | £2,000 |
Students insurance | Protecting your full time students' possessions while they're away pursuing further education at the UK educational institution of their choice. | £2,500 |
Exclusions apply. Please refer to the Home Insurance policy documents.
What does Contents Insurance cover?
Our contents insurance looks after the items that move you – and move with you.
If your belongings get damaged or stolen, our contents insurance can help fund the cost of replacing or repairing them.
Contents insurance is ideal for protecting high-value items, but in some cases, you might not feel the need for it. On the other hand, if you’re a renter and don’t own your property, you can also take our contents insurance on its own.
Type of Cover | What does it cover? | Cover Limit |
|---|---|---|
Covering the value of your possessions in the home. | £80,000 | |
Office Equipment | Replacing any of the furniture, computing and any other equipment that you and your family use for work. | £5,000 |
Digital Information | If you lose information stored on your computer through a malicious program or an unauthorised source. | £2,000 |
Alternative Accommodation | For you and your pets, in case you can't live at your home while it's being repaired after an insured event. | £8,000 |
Loss of food | If you lose food in your freezer due to a change in temperature or contamination from the refrigerant. | £1,000 |
Theft or malicious acts to contents in outbuildings | Should someone cause damage to the contents inside your shed, we've got you covered. | £3,000 |
Exclusions apply. Please refer to the Home Insurance policy documents.
More about contents insurance
What’s not covered?
While our Home Insurance (Buildings and Contents) includes all the essentials, there are some things that it doesn’t cover:
Wear and tear
Any loss, damage, or liability caused deliberately
Anything that’s happened gradually over time
Damage caused before your policy start date
Damage caused by lack of maintenance or renovation
Damage resulting from pests
Damage resulting from your home being unoccupied for over 60 days in a row
Tailor your cover with our add-on options
We know that every home is different. That’s why we have a range of optional add-ons that can make it even more secure.
Our add-ons include:
Personal possessions
While our contents insurance covers belongings kept at your address, this protects certain items when you take them outside of your home.
Pedal cycles (outside the home)
Our contents insurance protects your bicycle when it’s stored at your address, but this add-on gives extra cover for when you hit the road.
Home emergency
Emergencies can be unexpected and have a devastating impact. We can cover various home emergencies relating to plumbing, electrics, water supply, drainage, central heating, gas supply, lost keys, roofing, pests and security*.
Legal expenses
Legal fees are often overlooked but can put you seriously out of pocket. Our add-on includes expenses like personal injury, consumer disputes, home rights, taxation, employment, and more.
Which cover is right for you?
We’ve broken down all our insurance options so you can easily find one that best suits your needs.
Home Insurance
Our combined comprehensive Home Insurance policy includes building and contents cover in a single policy.
Buildings Insurance
Buildings Insurance looks after your home, for example, the physical structure of your home or anything that’s permanently fixed and can’t be moved. It includes flood and fire damage or damage caused by weather and natural disasters.
How to get cover with UW
Our Defaqto and Moneyfacts five-star-rated Home Insurance cover is exclusive to UW customers. Not signed up? Don’t worry, as we’ve made switching easy.
New to UW?
Sign up to become a customer then add Home Insurance via My Account, the UW App or by calling 0333 777 0221.
Already a UW customer?
Just log into your online account to get a quote.
Why choose UW for insurance
We do all the legwork
We work with our panel of insurers who compete on price to provide the same great UW cover for your policy.
Our best price year-on-year
At your Home Insurance renewal, we’ll ask our panel to bid again and provide you with the lowest price for the exact same cover. So you’ll always automatically get the cheapest price from our panel every year.
Five-star rated cover
Our comprehensive cover has been rated five stars by independent insurance experts, Defaqto and Moneyfacts.
Insurance Guides
Making a claim, what you need to know
Insurance is something we don’t want you to think about. We offer a brilliant home insurance service and we want you to know that should the worst happen.
Get peace of mind with five-star-rated* Home Insurance
Protect the things that matter most when the unexpected happens. Our Defaqto and Moneyfacts five-star-rated Home Insurance safeguards your property.
Boiler & Home Cover to keep your home running smoothly
We're there to help take the hassle out of looking after your property. From your boiler and electronics to plumbing and drainage.
Contents insurance that protects the things that matter most
Our home contents insurance gives you peace of mind in the face of the unexpected. Content cover can help you with the cost of repairing or replacing.
FAQs & documents
UW Home Insurance or house insurance is only available to our existing customers who have an established Direct Debit set up. It’s another perk of being a UW customer.
Switch your energy, broadband, or mobile supplier to UW, and you can benefit from our Defaqto and Moneyfacts five-star rated cover options. Sign up today.
We work with a panel of great insurers to provide our customers with the same great UW Home Insurance cover every year. When you get a quote, as well as at renewal, each of our insurers will provide a price based on your circumstances and we select the best.
Yes, your cover levels and limits stay the same.
So, unless you’ve specifically requested any changes to your policy, we’ll get you a quote for the exact same level of cover as the previous year. If anything changes, we’ll notify you in writing.
We give you the best price for Home Insurance from our panel of insurers every year. This means you get a competitive rate at the start, and every year.
When you build your quote, we’ll ask you questions to find out about your home and how much cover you need. Your answers will affect the price of your insurance. Some of these factors include:
Where you live – The location of your property may cause your premium to increase, as some areas could be at a higher risk of extreme weather conditions, crime, and more.
Your property – The age, size, and build of your property can also affect the price of your Home Insurance. A larger building made from more expensive materials could be more costly to repair, which may be reflected in your premium.
Security – If you have robust security measures in place at your home, it could decrease your cover cost.
Your lifestyle – The number of people living in your property and whether you’re away from home for periods of time can impact how your premium is calculated.
Yes! As part of our one-bill promise, your Home Insurance payments will be added to your monthly bill into handy monthly payments.
Please be aware that, in some cases, your lifestyle and/or actions can invalidate your home insurance. Some of these factors include:
Leaving your property unoccupied for prolonged periods of time
Underinsuring your property
Not making your insurer aware of any changes
Taking on renovation work without letting your insurer know
If something goes wrong, it’s not always as simple as calling on your insurance provider for repairs. In some situations, you might need to take legal action to ensure you get your compensation.
That’s where we come in. Legal cover is an add-on to our comprehensive Home Insurance product, so we can help to cover the cost of any legal expenses or provide legal representation if you’re pursuing a dispute. With UW Home Insurance, we cover you for personal injury, consumer disputes, home rights, taxation, identity theft, and more.
We think our insurance is top-notch, but you don’t have to take our word for it. Defaqto and Moneyfacts are two independent financial information businesses that provide expert consumer advice.
They rank financial products and services to make it easier for consumers to distinguish between the quality and level of cover they will receive. And both have given UW Home Insurance five stars – their highest possible rating.
You can view more of our awards here.
We work with a panel of insurers who all provide the same great UW Home Insurance cover. Every year, we ask them to provide their best price for your coverage and select the insurer that comes in the lowest. This means you get the same great cover, year after year, and always at a competitive price.
As we work with a panel of insurers, your first port of call is to refer to Page 1 of your Policy Schedule. There, you’ll find the number to call to get started with your claim.
See more information about how to make an insurance claim.
In a rented property, the property owner or landlord is usually responsible for arranging the Buildings Insurance.
If you’re moving to a new property, it’s essential that you let us know your new address and when you’ll be moving in as soon as possible.
To update your details, you can log into your account or give us a call on 0333 777 0777.