Covea Home Insurance Overview / FAQ

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This page provides an overview of a flexible home insurance policy designed to meet the needs of homeowners with up to five bedrooms. It outlines the key features of the insurance, including coverage for various risks such as fire and theft, protection for valuables like jewellery, and liability coverage for injuries on the property. The summary highlights additional benefits like trace and access coverage, student coverage, and legal protection, as well as competitive advantages such as no clai

Home Insurance Overview

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Our flexible home insurance offers a comprehensive household policy tailored to meet your clients' needs, whether they require buildings, contents, or combined cover for homes with up to five bedrooms.

For more details, download our latest product literature, which contains full information about benefits, exclusions, and limitations. If you need an earlier version, please contact your broker.

Important Documents:

Features:

Trace and Access: up to £10,000
Students Cover: £2,500
Loss of Keys: £1,000
Increased coverage for special occasions (e.g., religious festivals, weddings): up to £5,000
Freezer Contents: up to £1,000
Personal Money: up to £1,000; Credit Cards: £500 each
Fatal Accident Cover: up to £5,000

Optional Coverage:

Unspecified Personal Belongings Worldwide: up to £10,000
Specified Personal Belongings Worldwide: up to £15,000 (up to £5,000 per item)
Bicycles: up to £1,500 per bicycle
Legal Protection: up to £50,000

Benefits:

Competitive premiums
Full cycle EDI with most software houses
Up to 5 years’ no claims discount on separate buildings and contents sections
Combined buildings and contents discount
Security discounts in certain areas
Payment by instalments via direct debit
24/7 dedicated household claims helpline: 0330 024 2255
Free 24-hour legal helpline

Frequently Asked Questions

What does home insurance cover?
Home insurance usually covers damage from events like fire, theft, storms, and sometimes water damage. Each policy can vary, so it’s best to check your coverage details or ask an agent to understand exactly what’s included.
Does my insurance cover valuables like jewellery, and do I need extra coverage? Yes, home insurance typically covers personal items, including jewellery and electronics, but there are limits for high-value items. You might consider adding extra coverage if you have items that go beyond these limits to ensure everything is fully protected.
Am I covered if someone gets hurt on my property? Most home insurance includes liability coverage, which helps with legal or medical costs if someone is injured on your property. This coverage can give you extra protection and peace of mind.
What are the benefits are included in Covea's home insurance policy? Covea's home insurance policy offers a variety of benefits designed to provide comprehensive coverage and peace of mind for homeowners. It includes options for buildings insurance, contents insurance, or a combined policy tailored for homes with up to five bedrooms, covering risks such as fire, theft, and liability for injuries on the property. Key benefits include up to £10,000 for trace and access coverage to locate leaks, protection for students' belongings up to £2,500, and coverage of up to £1,000 for lost keys. Additionally, the policy provides increased coverage for special occasions, such as weddings, with up to £5,000 for personal belongings, freezer contents coverage up to £1,000, and personal money and credit card coverage. In the unfortunate event of a fatal accident, policyholders receive up to £5,000 in support. Covea also offers optional add-ons, including unspecified and specified personal belongings worldwide, bicycle coverage, and legal protection up to £50,000. With competitive premiums and discounts, including up to 5 years’ no claims discount, Covea ensures homeowners have a robust safety net to protect their property and valuables against various risks.
What optional coverages are available with Covea Home Insurance? Covea Home Insurance offers several optional coverages that allow policyholders to tailor their insurance to meet specific needs. These options include unspecified personal belongings worldwide, which provides coverage up to £10,000 for personal items taken outside the home without the need to specify each item. Additionally, there is specified personal belongings worldwide, offering coverage up to £15,000 for high-value items that are detailed in the policy, with a limit of £5,000 for each individual item. For avid cyclists, bicycle coverage is available, providing protection of up to £1,500 per bicycle. Furthermore, legal protection can be added, covering up to £50,000 in legal expenses for various matters that may arise. These optional coverages can enhance the standard policy, ensuring homeowners have the flexibility to secure their assets based on their lifestyle and specific requirements.
What optional coverages are available with Covea Home Insurance, and how can I determine which ones are suitable for my needs?

Covea Home Insurance provides a variety of optional coverages that allow you to customise your policy according to your specific needs. These include unspecified personal belongings worldwide, offering up to £10,000 in coverage for personal items taken outside the home without needing to list each item individually. Additionally, you can opt for specified personal belongings worldwide, which covers high-value items up to £15,000, with a maximum limit of £5,000 per item. For those who cycle frequently, bicycle coverage is available, protecting bicycles up to £1,500 each. Furthermore, legal protection can be added, providing coverage for legal expenses up to £50,000 for various potential legal issues.

To determine which optional coverages are suitable for your needs, consider factors such as the value of your personal belongings, your lifestyle, and any specific risks you may encounter. Assessing the types of items you own and how often you travel can help you identify which options will provide the best protection. Consulting with your insurance broker can also provide valuable insights tailored to your situation, ensuring you make informed decisions about your coverage.
How does the claims process work for Covea Home Insurance? The claims process for Covea Home Insurance is designed to be straightforward and user-friendly. If you need to file a claim, you can do so by contacting the 24/7 dedicated household claims helpline at 0330 024 2255. A claims advisor will guide you through the process, helping you gather the necessary information and documentation related to your claim. Once your claim is submitted, it will be assessed by the claims team, who will review the details and determine the next steps. You may need to provide additional information or evidence, such as photographs or receipts, depending on the nature of your claim. Throughout the process, Covea aims to keep you informed and updated, ensuring you receive the support you need until your claim is resolved.

For further assistance or to discuss coverage options, please reach out to your broker or our customer service team.