Home insurance you can trust

At Ecclesiastical, we pride ourselves on providing honest and specialist insurance, and our home insurance is no different. We are proud to have been awarded Fairer Finance’s 1st place gold ribbon for customer experience and voted as being the most trusted home insurance provider in their recent rankings. Find out more about Fairer Finance.

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 about the good we do in our Positive Impact Report.

Our home buildings and contents insurance includes

Buildings coverUp to £750,000 building cover
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
MoneyUp to £1,000 personal and charity money cover  

We do not cover

ChairsWear and tear (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)

There’s nothing standard about our standard policy

We strive to do the best we can for our customers, that’s why our home insurance policy covers losing keys, legal expenses and home emergency protection all at no additional charge. With Ecclesiastical you’ll be insured against a range of events such as fire, theft, subsidence, storm or flood and escape of water. Use our contents checklist guide to identify the costs of items in your home. 

    High-value items

    If you have specific high-value items or require a greater level of cover for your buildings and contents, please call our team to discuss your specific requirements.

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    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, you only need to contact us if your circumstances have changed. If you wish to amend or cancel your policy please contact us by calling the phone number 0345 777 33 22 before your renewal date.
     
    If you pay by any other means, please note, we don’t auto-renew. You can renew your policy by calling the phone number 0345 777 33 22. If you choose not to renew, your cover will end when your existing policy expires.
     
    Please note - calls to 03 numbers are typically charged at no more than local rate.
    *Terms and conditions apply
    I'm very happy to have found a socially responsible and caring insurance company. When I made a claim, I was so impressed that the person on the other end of the phone was concerned about me and not just about the claim. That kind of customer service makes all the difference.

    Home insurance customer

    Are you a member of the clergy?

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

    Find out more

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    Useful links

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    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.
    If you have opted for this cover then it is provided under the Portable items section of our policy. 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. Cover is provided for your portable items anywhere in the world up to 90 days in total during the period of insurance
    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 policy to reward customers who are claim free. We can offer a maximum of five years no claims discount but if a claim is made on the policy this is reduced to nil.
    For every year you then remain claim free, you will be able to build this back up to the maximum of five years.
    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 can offer a comprehensive policy to cover your let property but this is not a specific commercial landlord’s policy.  
     
    We do have some automatic exclusions such as Accidental Damage, Theft or attempted theft and Vandalism or malicious acts but there is an option to add this cover if required.
    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.
    Using your property to carry out clerical duties in relation to your work is automatically covered. 
     
    We also provide cover for your computers and their accessories, office equipment and office furniture, used only for clerical and administrative use up to £10,000. We do not provide any cover for your business stock.
     
    If you have visitors to your property or if there is any other form of business use, please contact us and we will be happy to discuss this with you. 
    If your bike is under £750 it is automatically covered under the policy.  If your bike is worth more than £750 then this will need to be specified on the policy individually and will need to be locked to a permanent fixture whilst being kept in an outbuilding.
     
    If you take your bike away from the home you will need to ensure you have opted for the Portable items element of the policy and your bike will need to be locked to a permanent fixture when it is unattended.  No cover is provided if you are using your bike while racing.
    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 engineer’s report that has been completed within the last three years. 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 define valuables as jewellery and precious metals, clocks and watches, furs, pictures and works of art, stamp, coin and medal collections.

    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 permanent structures within the boundaries of your home including any garages or outbuildings used only for domestic purposes and home office use, permanent fixtures and fittings including statues and fountains, hot tubs permanently fixed to the ground, 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.
    If your son/daughter stays at your property during university breaks then they will be covered for their contents. The most we will pay for contents whilst in the student accommodation is £5,000 in any one period of insurance. No cover is provided for your son/daughters contents in the student accommodation for loss or damage caused by theft to items away from your home unless force is used to get into or out of a building.
     
    As long as you have Portable items cover under your policy then any items your son/daughter takes away from their student accommodation will be covered. The Portable items sum insured will need to be sufficient to cover the whole family. Please note that if there is more than one child at university then the £5,000 is split between them.