Specialist insurance for your vicarage or second property

We offer enhanced contents cover on home insurance policies for members of the clergy. Plus, if you are paid a Church of England stipend, you may get an additional discount dependent on where you live. 

There's a difference in what we do

As a business, we are committed to doing the right thing for our customers and partners by aiming to help them address the issues that matter to them. You can read more in our Positive Impact Report. To bring our giving closer to you, we will donate £130 to your church or cathedral if you take up a new home insurance policy with us before 31 December 2020 - read more about Trust 130.

Rated the most trusted home insurance provider

We are delighted that Fairer Finance has awarded us the 1st Place Gold Ribbon for our home insurance for the eleventh season in a row. Based on customer votes we are also the most trusted home insurance provider with the happiest customers.

Home insurance product highlights

Buildings coverUp to £750,000 building cover against a range of events such as fire, theft, subsidence, storm or flood and escape of water.
Contents cover£75,000 contents cover
Home emergency iconHome emergency cover
Legal expensesUp to £50,000 legal expenses cover
ValuablesUp to £3,500 for accidental loss or damage to personal belongings that you take away from your home

Clergy home insurance

Enhanced home contents cover for members of the clergy

Your vocation means you need to keep an open door for your congregation and community - but this can present extra risks for your home contents. Enhanced cover for the clergy can include:

ExcessNo excess for theft and malicious damage at your vicarage – normally at least a £75 excess applies
Extra cover to include ministry equipmentUp to £15,000 cover for your ministry and business equipment - £5,000 more than our standard contents insurance
Business itemsIncludes items such as computers and printers; and communion sets
Items away from homeCover is also available for e.g. using your laptop away from home, perhaps in your office at the church (although it may not be left there but taken home with you) cover
clergy robesClaims for clergy robes, vestments, all other clothing and household linen will not be subject to a deduction for wear and tear
Moving homeCover for loss or damage of contents when moving home, including brittle items, whether or not professional removal contractors carry out the removal
Communion setPersonal belongings cover includes property owned or used for church business purposes
Guest belongingsGuests personal belongings cover includes the personal belongings of visitors to the home and the most we will pay for any one claim is increased to £5,000 - £ 2,500 more than our standard contents insurance
UnfurnishedAny exclusion of loss or damage caused after your home has been continuously unoccupied or unfurnished for more than 60 days, is increased from 60 days to 90 days
Domestic staffCover for secretaries under ‘domestic’ employees cover
Theft with no damageTheft cover is not restricted to forcible or violent entry or exit whilst the property is used in connection with their occupation, e.g. arrangements for weddings/christenings.

Even if you need to take out contents-only insurance because you are living in tied accommodation; you can still add cover for sheds and greenhouses, normally only included in a “buildings” policy.

We do not cover:

ChairsWear and tear with the exception of clergy robes, vestments and other clothing. (this naturally happens to all properties and possessions over time, and as such is not covered by most insurance policies)
accidental damageDamage due to lack of maintenance (the cost of maintaining your property or contents due to wear and tear is not covered by our policy)
I'm always impressed by the quality of service and the high level of customer service. First class professional service with a very personal touch

Clergy home insurance customer

FAQs

We are applying automatic enhancements with immediate effect to all home insurance policies during this period to try to provide additional peace of mind. Learn more about temporary cover changes
We can transcribe your documentation, letters and schedules using the following alternative formats:
 
  • Braille 
  • Large print 
  • Audio 
  • Tactile 
  • Audiobook
If you would like us to arrange this for you, please contact our Customer Services Team on 0345 777 3322.
There is cover provided under our policy under a section called Portable Possessions. This will cover any items that you take away from your home and on holiday so can cover mobile phones (handset only), laptops, camera equipment or jewellery.
 
Any items that you take away from your home that are valued over £3,500 will need to be specified on the policy individually.
Yes. If you carry out some voluntary work for the church, then we are able to offer a discount for this.
If you lose the keys to your home or they are stolen or there is accidental damage to the locks of the outside doors or windows we will pay for reasonable and necessary costs of:
 
(a) gaining access to your home
(b) repairing or replacing the locks
 
The most we will pay for any one claim is £1,000.
Yes, all apart from household linen and clothing.
The contents in your freezer will be covered up to your contents sum insured.
Yes. The contents in these buildings will be automatically covered up to £5,000
The fences at your property will be covered under this insurance but we will only be able to pay a claim for damage to any fence if the main building, garage or outbuilding is damaged at the same time.
No. We are able to offer new business quotations to all members of the public as well as clergy members.
We do offer a no claims bonus on our policies to reward customers who are claim free. We can offer a maximum of 5 years no claims discount, if a claim is made on the policy this is reduced to nil.
If the work taking place is in excess of £25,000, please complete our Buildings Work Questionnaire and send it back to us.
 
If the work taking place will be less than £25,000, please contact us to let us know and allow us to note your policy accordingly.
On request we can provide cover under your contents policy for small boats (measuring less than 5 meters and not having a top speed over 15 knots), craft, surfboard or a sailboard.  
 
If you require cover please contact our team on 0345 777 3322.
We cannot specifically offer you a landlord’s policy, but what we can do is offer a standard household policy and note that the property is let.
 
We do have some exclusions that will apply whilst the property insured is let and these can be found in the policy booklet.
We will cover the reasonable and necessary costs incurred with our consent to: locate the source of leaking water or oil from any fixed water or heating system in Your Home; and repair any damage caused in locating the source of the leak. 
 
The most we will pay is £5,000 for each leak.
Visit the Association of British Insurers website and this will ask you some questions to determine the rebuild value of your property.
If you need to do this then you will need to either call us direct on 0345 777 3322, write a letter or send an email to household@ecclesiastical.com.
Yes. We have Home Emergency cover included under your household policy. DAS Legal Expenses Insurance Company Limited handle these claims on our behalf and you can use this for anything from roof damage, plumbing and drainage, your main heating system, the domestic power supply, the toilet unit, home security to vermin.
 
If you need to make a claim under this section of the policy, please call DAS on 0345 268 8469.
Whilst the bike is in your property, this will be covered under your general contents insurance. If you take your bike away from the home, then this will be covered under the Portable Possessions section of your insurance. Also, if your bike is worth more than £750, this will need to specified individually on the policy.
Yes. You have up to £1,000 personal money cover included on the policy. Personal money means bank notes and coins that are not part of a collection, cheques, postal orders, bank drafts, travel tickets, traveller’s cheques, postage stamps, savings stamps and certificates and premium bonds.
 
The cover also applies for up to 90 days in any one period of insurance, elsewhere in the world.
There is liability cover included on your policy automatically up to a limit of £2,000,000.
If the subsidence has happened in the past 15 years, then unfortunately we will be unable to offer a quotation for your property.
 
If the subsidence occurred over 15 years ago, then before we are able to offer a quotation, we would need to see an up-to-date structural engineers report. Once this has been received, we will then decide if we are able to offer a quotation for your property.
We can still offer you a quotation if your property is listed. We will need to know which Grade the building is.
Yes. We have a 60 day ruling on the policy. After 60 days the cover on the policy may change and so we will need to know if the property will be unoccupied.

We will pay 50% of the cost of replacing undamaged items which form part of:

  • a pair;
  • a set, collection or suite; or
  • a matching or uniform design, nature or colour,
with an item that has suffered from damage that is covered under the buildings or contents section of the policy.

If your home cannot be lived in because of damage covered by your policy, we will pay 20% of the sum insured to help you with reasonable and necessary costs of your temporary accommodation (see policy document for full details).

An excess is the first monetary amount that you will pay towards a claim. Under our policies the excesses are £1,000 for subsidence, £250 for any escape of water or oil claim and £75 for any other standard claim. We do have the option to add on voluntary excesses which would be added to the already existing excesses.
The home including any garages or outbuildings used only for domestic purposes, home office use, permanent fixtures and fittings, wind turbines and solar panels fixed to the buildings or fixed to the ground, swimming pools, tennis courts, paths, drives, terraces, patios, walls, fences, hedges and gates as long as these are all within the boundaries of the land belonging to your property.
Household goods, furniture, furnishings, clothing, personal belongings and valuables all belonging to you or for which you are legally responsible.
Standard cover will cover your property and/or contents for the perils noted in the policy document, e.g. fire, earthquake, storm, flood and subsidence.
 
Accidental damage cover will provide cover for your property and/or contents for any damage caused accidently, e.g. spilling paint onto a carpet or putting a hammer through a wall whilst carrying out some DIY.
Home insurance policies are designed to cover sudden and unexpected identifiable events such as fire or flooding to your home. 
 
Wear and tear, however, naturally happens to all properties and possessions over time, and as such you will find wear and tear is not covered on most insurance policies. 
 
The cost of maintaining your property or contents or replacing items due to wear and tear is not covered by our policy. 
 
There are a few simple things you can do to prevent wear and tear causing you a problem: 
 
  • Check your property regularly 
  • Ensure you carry out routine maintenance 
  • Fix problems as soon as they arise.
This will not reduce the premium in any way; however your property may be in an area that requires you to meet certain security requirements. We will be able to tell you this.
As long as you have Portable Possessions cover under your policy and your son/daughter stays at your property in the holiday times, then their possessions will be covered. Please note that the Portable Possessions sum insured will need to be sufficient to cover the whole family.
 
The most we will pay for any contents whilst in the student accommodation is £5,000 in any one period of insurance. Please note that if there is more than one child at university then the £5,000 is split between them.
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