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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.

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*Our Home Insurance cover has been given five stars by independent consumer experts, Defaqto (2025) and Moneyfacts (2025).

Exclusions apply. Please refer to the Home Insurance policy documents.

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.

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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)
£8,000 (Contents)

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

Scroll to view more →

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

Contents Insurance

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

Scroll to view more →

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:

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Personal possessions

While our contents insurance covers belongings kept at your address, this protects certain items when you take them outside of your home.

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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.

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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*.

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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.

*Home emergency add-on cannot be taken alongside UW Boiler & Home Cover

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.

Contents Insurance

Contents Insurance protects the belongings kept inside your home that aren’t part of the fixed structure. Get cover from theft, extreme weather or natural disaster, vandalism, and more.

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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.

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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.


Get a quote
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Already a UW customer?

Just log into your online account to get a quote.

My Account

Why choose UW for insurance

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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.

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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.

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Five-star rated cover

Our comprehensive cover has been rated five stars by independent insurance experts, Defaqto and Moneyfacts.

Our Home Insurance cover has been given five stars by independent consumer experts, Defaqto (2025) and Moneyfacts (2025).

Insurance Guides

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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.

Learn more
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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.

Learn more
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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.

Learn more
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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.

Learn more

FAQs & documents

Who is eligible for UW Home Insurance?

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.

What exactly is this ‘panel of insurers’?

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.

Will I get the same cover at Home Insurance renewal?

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.

Does the price go up after one year?

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.

How is my Home Insurance premium calculated?

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.

Will my policy be on my UW bill?

Yes! As part of our one-bill promise, your Home Insurance payments will be added to your monthly bill into handy monthly payments.

What can invalidate house insurance?

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

What is legal cover on Home Insurance?

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.

Who are Defaqto and Moneyfacts?

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.

Why has my underwriting insurer changed?

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.

How do I make a claim?

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.

Who is responsible for paying for Buildings Insurance on a rented property?

In a rented property, the property owner or landlord is usually responsible for arranging the Buildings Insurance.

What happens if I move house?

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.

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