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Personal Protection
Domestic Insurance
Protect the Place You Call Home
One household package — building, contents, portable valuables, domestic staff, and personal liability — in a single policy.
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Cover options
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Underwriters
24/7
Claims support
Quick overview
A household package covering the building, its contents, specified portable valuables, injury to domestic staff under WIBA, and your legal liability as a homeowner or occupier.
Why it matters
Why Is Domestic Insurance Important?
Replacing everything in your home after a major loss can be expensive and stressful. Insurance helps reduce the financial impact of unexpected events and gives you greater confidence that your household is protected.
A home is several risks at once
The structure, everything inside it, the laptop that leaves with you, the person who helps you run it, and your liability if a visitor is hurt — one package covers them all.
One policy instead of several
Rather than separate building, contents, all-risks, and WIBA policies, domestic insurance bundles them so there are no gaps and one renewal.
Who it's for
Who this cover is for
- Homeowners
- Tenants renting a house or apartment
- Landlords furnishing a let property
- Households employing domestic staff
- Families with valuable portable equipment
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Buildings & Contents
Covers the structure and everything inside — furniture, appliances, and personal belongings — against fire, theft, storm, flood, and accidental damage.
02
All Risks
Extends cover to specified portable items such as laptops, phones, cameras, and jewellery, wherever they travel with you.
03
Workers & Liability
Covers injury to domestic employees under WIBA, plus your legal liability as a homeowner or occupier if a third party is injured on your property.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
house
Buildings & contents
Structure and belongings against fire, theft, storm, and flood.
devices
All risks
Portable items like laptops, phones, and jewellery, anywhere.
diversity_3
Domestic staff (WIBA)
Injury to house helps, gardeners, and other staff.
gavel
Occupier's liability
Claims if a visitor is injured on your property.
water_damage
Water & accidental damage
Burst pipes and sudden accidental damage, where added.
Key benefits
What you get with the cover
One policy, one premium
Building, contents, all risks, workers, and liability under a single arrangement instead of several.
Owners and tenants
Take the full package if you own, or a contents-and-liability version if you rent.
Domestic staff covered
Meets your WIBA obligation for house helps, gardeners, and other domestic employees.
Cover that leaves the house
All risks protection follows your portable valuables wherever you take them.
Exclusions
What's not covered
Wear and tear and gradual deterioration
Damage from poor maintenance
Land value
Property left unoccupied beyond the policy limit
War and nuclear risks
This is a general list. Your policy wording sets out the full exclusions that apply.
Getting covered
What you'll need
To take out cover
- Copy of ID or relevant identification
- Property / home details
- List or estimated value of items to be insured
- Details of portable valuables where applicable
- Additional property information where required
Report the incident as soon as it happens, keep photos and any police or medical reports, and our claims team will guide you through assessment and settlement.
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
All Risks
Cover for specified portable items against loss or damage from most causes, anywhere — not limited to the home.
Occupier's Liability
Your legal responsibility for injury or damage suffered by visitors and third parties on your property.
FAQ
Frequently asked questions.
The essentials on domestic insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsHow is this different from home insurance?
Home insurance focuses on the building and contents. A domestic package adds all risks for portable items, domestic workers' injury cover, and owner's liability in the same policy.
Can I take it if I rent?
Yes — tenants can cover their own contents, portable valuables, and liability without insuring the building itself.
Are my house help and gardener covered?
Yes. The domestic workers' section meets your WIBA obligation to compensate domestic employees for work-related injury.
Flexible cover
Protection Designed Around Your Home
Every home is different. Our team helps you understand the available options and choose cover based on your property, belongings, and individual needs.
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