An homeowner fixing tiles to the wall, with his dog looking on

Homeowner insurance

Buying a home will be one of your biggest investments, so we provide a range of cover options to protect your home and contents.

Our Homeowner Insurance offers extensive cover, with flexible options to suit your needs.

Without adequate protection, one single incident, such as fire or burglary, can have a devastating effect on you and your home. Insurance can’t stop the incident happening, but it can help put things back the way they were – quickly and with the minimum of fuss.

Buildings and contents cover

Buildings cover is a requirement of most mortgages; it protects against loss due to unforeseen circumstances, such as storm, fire and flood. Accidental damage to buildings is included as standard within this cover.

Contents insurance provides cover against loss or damage to the contents of your home as a result of an incident, such as fire, flood or theft. Additional accidental damage cover is available as an option, to provide peace of mind in the event of unforeseen accidents in the home, e.g. paint spillage on carpets. 

See below for further details of our policy features and options available.

Policy features

Buildings cover

  • Full accidental damage to the building and pipes included as standard.
  • Unlimited sum insured on buildings – so you can never be underinsured.
  • Monthly premiums: unlike some insurers, we make no charge for paying monthly.
  • Alternative accommodation for your family and your domestic pets – so no member of your family is left out.
  • Damage to satellite dishes and TV aerials is covered up to the sum insured.

Contents cover

  • Cover for valuables in the home up to £20,000.
  • Replacement of locks and keys.
  • Loss of oil and metered water.
  • Damage to contents in the garden.
  • Loss of documents in the home, safe deposit or solicitors – important for your passports, wills and house deeds etc.
  • Accidental damage to entertainment equipment.
  • Flexible excess limits.
  • Contents temporarily removed – save money when your son and/or daughter goes to university or college; you don't have to take out a separate policy because their contents will be covered in the halls of residence on your existing policy.
  • Contents in garages and outbuildings.


  • Additional accidental damage: cover for accidental damage to all of your household contents whilst in the home.
  • Personal possessions: protect your personal possessions outside of the home, anywhere in the world, at any time.
  • Legal expenses: assistance with legal costs in the event of unforeseen legal proceedings.
  • Home emergency: help with emergency repairs and arrangements - available 24 hours a day, 365 days a year.
  • Pedal cycles: cover for all of your pedal cycles.

Terms and conditions, exclusions, limitations and eligibility criteria apply. These are contained within the policy booklet, a copy of which is available on request.

Insurance policies are underwritten by AXA Insurance UK plc, with the exception of Legal Expenses, which is underwritten by AmTrust Europe Limited, and Home Assistance, which is underwritten by Inter Partner Assistance SA, a wholly owned subsidiary of AXA Assistance SA and part of the worldwide AXA Group.

Call us on 0800 840 6792 or

Request a call back

We will respond to your request within 24 hours. If your enquiry is made after 4pm, Monday-Friday, or at weekends, then you will be contacted on the next working day.

Warning IconIcon set Warning Tick IconIcon set Tick Cross IconIcon set Cross
Warning IconIcon set Warning Tick IconIcon set Tick Cross IconIcon set Cross
Warning IconIcon set Warning Tick IconIcon set Tick Cross IconIcon set Cross
Warning IconIcon set Warning Tick IconIcon set Tick Cross IconIcon set Cross

Your information is being collected and processed by Countrywide for the purposes of providing the service and/or products you have requested. Personal data will be processed in accordance with the Data Protection Act 2018 and all other applicable data protection law and regulation, such as the General Data Protection Regulation. We may market products and services to you under the lawful basis of legitimate interests. Should you not wish to receive any unsolicited marketing from us you have the right to object to this processing by emailing details of how we process your information can be found in our website Privacy Notice. A printed copy of our Privacy Notice is available on request. If you need to discuss how your information is being processed, please contact us at

Thank you

Thank you for your enquiry today. One of our Customer Contact team will be in touch with you shortly to discuss your query.


Sorry, there was an issue submitting your request, please try again later.

You may also be interested in

Other services from Countrywide

Sales & lettings

We have the largest network of estate and letting agents across the UK, covering over 60 high street brands.

Sales & lettings


We have access to thousands of mortgage products, from high street and specialist lenders.



With a range of surveys to choose from, you can trust us to give you the low-down on the condition of a property before you buy.



We offer a range of conveyancing services, including sale and purchase, remortgage and separate legal representation.


Get in touch

Our Countrywide Insurance Services team is available to help you choose the product that is right for you.

Opening hours

Monday – Thursday: 08:30 – 19:00
Friday: 08:30 – 18:00