PROTECTING CUSTOMERS FOR OVER 100 YEARS. Find out more about Allianz Insurance plc.

Your cover:

Summary of cover

Core benefits and flexible Options

All these benefits come as standard in your Core cover

Our Core cover provides a solid, great value base for your Home insurance policy. If you decide to purchase our Core Home insurance, you can enjoy the standard benefits below. To enhance your policy with additional cover, please see Options you can add to your Core cover further down the page.

Whether you choose Buildings insurance, Contents insurance or both, a number of benefits are automatically included in your Core cover; these are listed below.

Contents insurance	For further information, please click here to visit the Contents insurance Core cover page. Standard perils Temporary contents removal Loss of or theft of keys Loss of oil and metered water Alternative accomodation/ loss of rent Occupier's liability Liability whilst in temporary accomodation Tenant's liability Employers' Liability Unpaid court judgements Accidental Damage (AD) cover

Buildings insurance	For further information, please click here to visit the Buildings insurance Core cover page. Standard perils Alternative accomodation and loss of rent Liability as owner Liability - Defective Premises Act Trace and access Emergency entry Accidental Damage (AD) cover

Accidental Damage (AD) cover	There are four levels of Accidental Damage (AD) cover available for both Contents and Buildings insurance from Your Cover. Contents insurance No AD cover AD cover for mirrors, glass and audio visual equipment AD cover for contents, excluding damage caused by pets AD cover for contents, including damage caused by pets Buildings insurance No AD cover AD cover for glass, sanitary fittings and mains services AD cover for buildings, excluding damage caused by pets AD cover for buildings, including damage caused by pets

Accidental Damage (AD) cover

There are four levels of Accidental Damage (AD) cover available for both Contents and Buildings insurance from Your Cover.

Contents insurance

No AD cover
AD cover for mirrors, glass and audio visual equipment
AD cover for contents, excluding damage caused by pets
AD cover for contents, including damage caused by pets

Buildings insurance

No AD cover
AD cover for glass, sanitary fittings and mains services
AD cover for buildings, excluding damage caused by pets
AD cover for buildings, including damage caused by pets

Options you can add to your Core cover

You can add one or more of these Options to your Core Contents insurance and Buildings insurance to shape your policy the way you want it.

Contents insurance	Legal expenses The Home Legal expenses option provides cover for you and your family in personal situations that call for professional legal advice or representation. more info about legal expenses Personal possessions Adding the Personal possessions option will give you peace of mind, knowing that your possessions are covered against loss or damage. You can choose to cover specified and unspecified items, alongside sporting and non-sporting possessions. more info about personal possessions 24 hour home emergency assistance Should your heating, plumbing or electricity cause a crisis in your home, our 24 hour home emergency assistance cover can provide you with immediate practical and financial support. more info about 24 hour home emergency assistance Identity fraud assistance Our Identity fraud assistance option may be of interest to you if you worry about the possibility of your personal identity being stolen. It offers access to Experian’s credit monitoring service to identify any potential identity fraud, estimate your risk level and provide financial support if you need to restore your identity. more info about identity fraud assistance Freezer and shopping Freezer insurance will compensate you for loss or damage to your freezer’s contents, while Shopping insurance will protect against the possibilities of losing or damaging items you have bought while on the journey home. more info about freezer and shopping Garden contents Our Garden contents option may be suitable for you if you have invested time, care and money in nurturing and furnishing your garden as a part of your home. more info about garden contents Student's contents The Your Cover Student's contents option lets you cover possessions while a student normally residing at home is away studying at college or university. more info about student's contents Matching sets and suites Adding this option ensures that if one item of a set is destroyed and a comparable item cannot be sourced, your insurance pays for the cost of replacing the whole set. more info about matching sets and suites Bicycle cover (high value) Whilst most bicycles are covered as unspecified personal possessions, this option is most likely to be suitable for you if you have any bicycles worth over £1,000 up to a maximum of £5,000. more info about bicycle cover

Contents insurance

Legal expenses
The Home Legal expenses option provides cover for you and your family in personal situations that call for professional legal advice or representation.
more info about legal expenses

Personal possessions
Adding the Personal possessions option will give you peace of mind, knowing that your possessions are covered against loss or damage. You can choose to cover specified and unspecified items, alongside sporting and non-sporting possessions.
more info about personal possessions

24 hour home emergency assistance
Should your heating, plumbing or electricity cause a crisis in your home, our 24 hour home emergency assistance cover can provide you with immediate practical and financial support.
more info about 24 hour home emergency assistance

Identity fraud assistance
Our Identity fraud assistance option may be of interest to you if you worry about the possibility of your personal identity being stolen. It offers access to Experian’s credit monitoring service to identify any potential identity fraud, estimate your risk level and provide financial support if you need to restore your identity.
more info about identity fraud assistance

Freezer and shopping
Freezer insurance will compensate you for loss or damage to your freezer’s contents, while Shopping insurance will protect against the possibilities of losing or damaging items you have bought while on the journey home.
more info about freezer and shopping

Garden contents
Our Garden contents option may be suitable for you if you have invested time, care and money in nurturing and furnishing your garden as a part of your home.
more info about garden contents

Student's contents
The Your Cover Student's contents option lets you cover possessions while a student normally residing at home is away studying at college or university.
more info about student's contents

Matching sets and suites
Adding this option ensures that if one item of a set is destroyed and a comparable item cannot be sourced, your insurance pays for the cost of replacing the whole set.
more info about matching sets and suites

Bicycle cover (high value)
Whilst most bicycles are covered as unspecified personal possessions, this option is most likely to be suitable for you if you have any bicycles worth over £1,000 up to a maximum of £5,000.
more info about bicycle cover

Buildings insurance	Legal expenses The Home Legal expenses option provides cover for you and your family in personal situations that call for professional legal advice or representation. more info about legal expenses 24 hour home emergency assistance Should your heating, plumbing or electricity cause a crisis in your home, our 24 hour home emergency assistance cover can provide you with immediate practical and financial support. more info about 24 hour home emergency assistance Identity fraud assistance Our Identity fraud assistance option may be of interest to you if you worry about the possibility of your personal identity being stolen. It offers access to Experian’s credit monitoring service to identify any potential identity fraud, estimate your risk level and provide financial support if you need to restore your identity. more info about identity fraud assistance Matching sets and suites Adding this option ensures that if one item of a set is destroyed and a comparable item cannot be sourced, your insurance pays for the cost of replacing the whole set. more info about matching sets and suites

Buildings insurance

Legal expenses
The Home Legal expenses option provides cover for you and your family in personal situations that call for professional legal advice or representation.
more info about legal expenses

24 hour home emergency assistance
Should your heating, plumbing or electricity cause a crisis in your home, our 24 hour home emergency assistance cover can provide you with immediate practical and financial support.
more info about 24 hour home emergency assistance

Identity fraud assistance
Our Identity fraud assistance option may be of interest to you if you worry about the possibility of your personal identity being stolen. It offers access to Experian’s credit monitoring service to identify any potential identity fraud, estimate your risk level and provide financial support if you need to restore your identity.
more info about identity fraud assistance

Matching sets and suites
Adding this option ensures that if one item of a set is destroyed and a comparable item cannot be sourced, your insurance pays for the cost of replacing the whole set.
more info about matching sets and suites

Terms and conditions contained in the policy documentation apply. Download the policy documentation here.

Obtain an instant quote for a Your Cover Home insurance policy online now.

If you need help at any stage whilst you are building your Home insurance cover, our knowledgeable UK customer centre staff are available to assist you on 0800 975 3246.

Your Cover is a product from Allianz Insurance plc, registered in England no 84638 at 57 Ladymead, Guildford, Surrey, GU1 1DB, United Kingdom. Allianz Insurance is authorised and regulated by the Financial Services Authority, registration number 121849 and this can be checked by visiting the FSA website at www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.

Contact us

0800 975 3246

Lines open:
Mon-Fri 8am - 9pm
Sat 9am - 5pm

Calls may be monitored and recorded for training purposes.

Key features

UK call centres
Named claims handler
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