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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.