Specialist Home Insurance

At Lighthouse Home Insurance, we prefer to speak to each and every one of our customers, so that we understand your specific needs and requirements to bring you the most competitive policy we can.

We don't have a set of standard fixed price policies, we believe that you should only ever pay for what you need, so we tailor make each home insurance policy to you. This helps to make your cover competitive and of high-quality. 

 We provide competitive home insurance for all of the below circumstances:

Affordable UK Home Insurance  

At Lighthouse Home Insurance, we go above and beyond to find you the best policy possible by using schemes such as Flood Re to bring down the cost of specialist home insurance. 

You should feel safe and secure in your own home, and so we only offer high-quality cover. Have complete peace of mind when you take out a Lighthouse Home Insurance policy, knowing that if the worst happens, such as fire, theft or damage, your home and contents ( if included) will be protected.

We will be by your side when things don't go quite to plan and help guide you through difficult times. We strongly believe that making a claim should be an easy and quick process, so we have a dedicated UK based, 24 hour, 7 day a week claim line team, always on hand to assist you. 

Building and contents cover

Lighthouse Home Insurance can cover you for some of the most unforeseen circumstances that could happen. 

Our buildings insurance will not only cover your walls and roof but also your fixtures & fittings including solar panels, patios, drives, swimming pools and so much more up to your requested sum insured. If you are wondering what we define as buildings, then look around your home and anything that is fixed permanently to the structure is included. Such as your kitchen units, fitted cookers and bathroom suites.

Our contents cover will protect your most treasured possessions for all your household goods, personal belongings, pedal cycles and money & credit cards in the home. 

Our contents and buildings insurance can cover all of the following:

  • Fire, lightening, explosion, earthquake and smoke, storm or weight of snow

  • Flood

  • Alternative accommodation

  • Escape water or oil of domestic goods

  • Theft

  • Riot, civil commotion, violent disorder, strike or labour disturbance

  • Vandalism and malicious acts

  • Impact or collision

  • Subsidence, landslip or heave on the land on which the building stands

  • Building damage

  • Standard accidental damage

  • 10% increase in cover for special occasions

  • Moving home

  • Freezer damage

  • Loss or damage to garden contents

  • Tenants liability and improvements

  • Lock and keys

  • Deeds and documents

  • Legal liability cover

  • Temporary removal

  • Home emergency up to £500 * Does not cover unoccupied, holiday homes or let

*You should base your policy on your home's rebuild cost, not its market value. If you are unsure of the rebuild cost of your property please use the Building Cost Information Service's house rebuilding cost calculator which can be found here: http://abi.bcis.co.uk/

No claims bonus

If you have been claim free for 5 years, you can choose to protect your no claims bonus. This would entitle you to 2 claims in 3 years and your no claims bonus would not be reduced. The normal 10% reductions would apply to any claims made after this period.