Clergy home insurance

Home insurance that takes into account the extra duties you carry out for the church.

Call us on 0345 777 3322

Existing customers

Specialist home insurance for your vicarage or second property

Your vocation means you need to keep an open door for your congregation and community - but this can present extra risks.

We understand and accept those risks and offer enhanced cover for your work as a member of the clergy.

Why choose Ecclesiastical?

Home emergency and legal expenses cover is included as standard.

No renewal fees or admin charges for changes to your policy.

New customers receive a £130 donation for the cathedral or church of their choice.

Claim with confidence – in 2024, 96% of customers were satisfied with our service.

We’ve been connected with the church since 1887.

Discounts for clergy if you are in a higher-risk area and paid a Church of England stipend (minimum premiums apply).

Enhanced home contents cover for members of the clergy

Up to £15,000 cover for ministry and business equipment such as portable communion sets.

New for old cover for clergy robes, vestments, all other clothing and household linen.

Cover for loss or damage of contents when moving home.

What's not covered

The legal expenses automatically included in our home insurance policy do not provide cover for proceedings under the Clergy Discipline Measure or disputes under the Terms of Service Measure. Please see our clergy terms of service policy if you need this cover.

Wear and tear naturally happens over time and as such is not covered by most insurance policies..

Damage due to a lack of maintenance.

You can find more details about the features, limits, and exclusions in our home insurance product information document.

Matching pairs or sets

We will pay 50% of the cost of replacing undamaged items which are covered by your policy that form part of, a pair or a set, (see policy for full details)

Optional extras

Accidental damage cover
Items or collections worth more than £3,500 – you must let us know what these are.
Bikes worth more than £750 – please let us know if you’d like us to cover these.

Renewing your home insurance

We will send you a renewal pack within 21 days of your renewal date. It will have details of your renewal premium, any changes to the policy wording and cover, and a reminder of what you have told us, so you can update us if anything has changed.

If you pay by Direct Debit, your policy will auto-renew at the end of the policy term, giving you the peace of mind of continued cover. When this happens your monthly payments will continue according to a revised payment schedule reflecting your renewal premium.

You can opt out of auto-renewal at any time by calling us on 0345 777 3322, emailing household@ecclesiastical.com or using the website form.

If you opt out, you will need to contact us before your renewal date if you wish to renew your policy. Otherwise, your cover will end when your existing policy expires leaving you with no insurance.

If you pay any other way, please note, the policy will not auto-renew. You will need to contact us if you wish to renew your insurance.

Please note that in rare cases, due to a change in risk or circumstances, we may be unable to offer renewal. We will let you know if this is the case.

Please note - calls to 03 numbers are usually charged at no more than the local rate.

Home insurance documents

Home insurance policy document (PDF)

13 November 2025

Home insurance - Insurance Product Information Document (PDF)

30 November 2024

Clergy home contents benefits (PDF)

27 October 2022

Get a quote

Speak to one of our team or go online:

0345 777 3322

8am – 6pm, Monday to Friday

Get a quote

Experiencing financial difficulty?

If you are struggling to make payments for affordability reasons or logistical issues, contact us, as we may be able to support you with practical help.

MoneyHelper | GOV.UK | Citizens Advice

Want to know more?

Here are some frequently asked questions about our home insurance.

Go to the frequently asked questions

£130 for your church

Take out a new home insurance policy with us before 31 December 2026, and we’ll donate £130 to your church or cathedral.

Find out more

Get the right cover

Buildings insurance

Buildings insurance covers the cost of repairing the structure of your home, including permanent fixtures, fittings, and outbuildings.

More about buildings insurance

Contents insurance

If you do not need buildings cover, our contents insurance only provides cover for items in your home and your personal possessions.

Church worker & volunteer

Cathedral workers, church workers, and church volunteers can save over 25% when they buy contents and buildings insurance together online.

Church worker and volunteer

Which? Best Buy 2025

Choose buildings and contents insurance that's one of the best, as judged by independent and impartial Which? experts.

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Customers rated Ecclesiastical the most trusted home insurance provider.

Fairer Finance ratings

Ecclesiastical Property Claims Customers 2025, responses from 540 customers who had their claim settled.

Useful links

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Wear and tear Legal expenses Flood RE Auto-renewal opt-out

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