Male and female with two children laughing at home on a sofa.

Home insurance policy features & extras

Home insurance policy features & extras

You can get home insurance cover for your household contents, the building itself, or both building and contents combined.

Your home insurance cover includes:

  • No claims discount
  • Accidental damage to TVs and computers
  • Accidental damage cover for glass
  • Replacement locks if your keys get stolen
  • New-for-old cover (except clothing and household linen).

On both buildings and contents cover you can extend the standard cover to include further accidental damage, to protect against those little accidents that happen from time to time; such as spilling paint on the carpet or a DIY disaster.

You'll also have the option to extend standard contents cover to cover items away from the home; such as pedal cycles, items of jewellery or sports equipment.

Plus, you can tailor your policy to your needs by choosing from these optional extras:

Home emergency cover

With home emergency and boiler cover from Hastings Direct, you receive emergency property assistance with 24 hour access to a specialised team who can appoint a qualified tradesman 365 days a year. It provides cover for things like your primary heating system failing, failure of the electricity or gas supply or infestation of pests.

Home emergency cover

Family legal protection

As an optional extra, you can add family legal protection that covers you and other family members who live at your permanent home address. This includes unlimited 24-hour legal advice to a team of experts, who you can talk to in confidence about any private legal issues, such as faulty goods or employment disputes. If you have a case the policy can pay up to £75,000 for your legal costs.

Family legal protection

Key protection

Home key cover from Hastings Direct covers you for up to £1,500 in the event that your home key is lost, stolen, or broken in the lock. Find out what else is covered with home key cover.

Key protection

Home insurance

Relax in the knowledge that your home and its contents are well covered. Choose from buildings, contents and combined policies to get the level of cover you need.

Log in to MyAccount

Log in to MyAccount to manage your policy online. You can view and download documents at your convenience. If your policy number starts with 'XA' you can also make payments and changes to your policy online.

Policy info

Types of home insurance

Policy features


Home insurance customer reviews