Home Insurance Information

Unlimited cover

M&S Home Insurance gives you unlimited cover on buildings and contents, so you can relax knowing that you'll never be underinsured. Limits apply to money and liability cover. We don't ask you to estimate the cost to rebuild your home – or put a price on everything you own. Just tell us about any item, set or collection worth £4,000 or more.

'Green' Benefits

As you'd expect, M&S Home Insurance doesn't stop at the usual range of benefits. With M&S Home Insurance it's not just your home environment that's protected. From 1 January 2010, all new policies will include 'green' benefits at no extra cost.

No excess

There's no policy excess on your buildings or contents cover, apart from £1,000 for subsidence, heave and landslip claims. If you want, you can reduce your premium by adding an excess of between £50 and £1,000 on buildings and/or contents (compulsory excess may apply).

Premier or Standard?

Premier cover gives you more protection for your home and contents, including accidental damage. Standard cover is cheaper, but it only includes the most basic types of accidental damage to your television, video, audio and computer equipment.

Alternative accommodation

Both Premier and Standard cover include somewhere to stay if you have to evacuate your home because your health or safety is at risk – or if it's uninhabitable after serious damage caused by a fire or flooding.

Pay by monthly instalments – at no extra cost

You can spread the cost of your home insurance over 12 months. You'll pay by direct debit – and we won't charge you more to do this.

Flexible claims service

If you need claims advice, please call the claims advice line anytime, day or night. And if you have to make a claim, you can choose whether we pay cash, replace the item or pay the bill for repair work. Either way, we're here to help.

Extra discounts

You'll save 20% when you buy M&S Home Insurance online. You also get a discount if your home has an approved alarm system – and a no claims discount (which you can protect) after your first claim free year.

Extra protection

If you add Home Emergency Cover to your policy, you'll have extra protection against household emergencies such as plumbing problems relating to leaking pipes or failure of the central heating system or boiler. You can also add Legal Expenses Cover worth up to £50,000.