Home insurance for what truly matters

Why choose Ecclesiastical?


Award-winning home insurance

tickHome emergency and legal expenses cover included as standard.
tickNo renewal fees or admin charges for changes to your policy.
tickClaim with confidence – in 2022, 98% of customers were satisfied with our service.
tickNew customers receive a £130 donation for the cathedral or church of their choice.
tickDiscount if you're a volunteer for a registered charity.

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

What's covered

tickUp to £750,000 buildings cover and £75,000 of contents cover as standard, if you need to insure a different amount, please call us.
tickUp to £3,500 for contents away from home.
tick24-hour home emergency assistance up to £1,000 (included as standard).
tickLegal expenses (included as standard).
tickCover for student contents at university.
tickAccess to a range of helplines, including emergency glass replacement, legal and tax advice and counselling.

What’s not covered

crossWear and tear – this naturally happens over time and is not covered by most insurance policies.
crossMechanical breakdown of items over time is also not covered.
crossFaulty work by a tradesperson.

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 tell us what these are.
  • Bikes worth more than £750 – please let us know if you’d like us to cover these.


  • No claims discount - If you renew your policy and have not made a claim, we will provide a discount against our usual premium rates. If a claim is then made, we will not apply any discount to the following renewal.
  • Clergy, church worker or church volunteers
  • Volunteers at registered charities (simply quote 'charityworker' on the phone or in your online quote.)
  • Online discount available.

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

Clergy home insurance

Home insurance just for members of the clergy, with enhanced contents cover to take account of the extra duties done for the church.

More about clergy home insurance
"Professional and ethical insurers. Patient and clear in enabling me to choose the right policy for my needs when purchasing home insurance." 5 star review by Molly Wolfe | Rated 4.7 / 5 | 149 reviews Trustpilot

Can I get a home insurance quote online?

You can apply for a quote online if:

  • Your rebuilding cost is £750,000 or less
  • The home was built after 1840
  • Your contents is £75,000 or less
  • You have no valuables items over £3500
  • The property is your main home.

Otherwise, it's best to speak to our team for a more tailored quote. Please call us on 0345 777 3322.

Renewals and auto-renewal

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.

Which? logo with surrounding text reading - Best Buy May 2023 - Buildings and contents insurance