Clergy home insurance

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?

tickUK’s most trusted home insurance provider by Fairer Finance.
tickHome emergency and legal expenses cover included as standard.
tickNo renewal fees or admin charges for changes to your policy.
tickNew customers receive a £130 donation for the cathedral or church of their choice.
tickClaim with confidence – in 2022, 98% of customers were satisfied with our service.
tickWe’ve been connected with the church since 1887.
tickDiscounts for clergy if you are in a higher risk area and paid a Church of England stipend (minimum premiums apply).

We want to make a positive impact on society, so we give back our available profits to churches, charities and other good causes.

Enhanced home contents cover for members of the clergy

In addition to our standard home insurance cover, clergy members receive:

tickNo excess for theft and malicious damage at your vicarage.
tickUp to £15,000 cover for ministry and business equipment such as portable communion sets.
tickNew for old cover for clergy robes, vestments, all other clothing and household linen.
tickCover for loss or damage of contents when moving home.

What’s not covered

crossThe legal expenses cover automatically included in our home insurance policy does 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.
crossWear and tear, this naturally happens over time and as such is not covered by most insurance policies.
crossDamage due to lack of maintenance.

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

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.

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 don't need buildings cover our contents insurance provides cover for items in your home and your personal possessions.

More about contents insurance

Church worker home insurance

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

More about church worker home insurance
"excellent specialist insurer - They are a specialist insurer, so cover things not present in most home insurance policies. It makes them perfect for me, as a Vicar living in a 'working' vicarage. They're also an ethical and charitable...." 5 star review by Andrew Sillis | Rated 4.7 / 5 | 149 reviews Trustpilot

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 automatically 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 contacting us on 0345 777 3322, emailing household@ecclesiastical.com or by completing the website form. If you opt out, you will need to contact us prior to your renewal date if you wish to renew your policy, otherwise your cover will cease when your existing policy expires leaving you with no insurance.
  • If you pay by any other means, please note, the policy will not automatically renew. You will need to contact us if you wish to renew your cover.

Please note that in rare instances due to a change in risk or circumstances, we may be unable to offer renewal, in which case we will notify you.

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

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