Halifax Home Insurance Review and Quotes

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft?

Are you wondering if Halifax is the best home insurance company to protect your house?

You’ve come to the right place.

This ultimate and up-to-date review on Halifax home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Halifax the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Halifax's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

3,9 Safe overall rating for Halifax

	Safe rating	Our opinion
Customer service & satisfaction and claims		Standard home insurance rated 3 stars by Defaqto Ultimate home insurance rated 5 stars by Defaqto Well documented websites Different helplines available
Cover provided for your home		2 levels of cover: standard and ultimate Limit amounts below average in overall for standard cover Excess from £100 to £1000
Value for money		Interest rates on monthly installments reasonable Discounts available for combined building and contents insurance
Financial strength		High, underwritten by Lloyds Bank General Insurance Limited
Technology		Quote, cancel and claim process online Well documented website Customer portal only available for online banking

Expert and customer satisfaction reviews for Halifax home insurance

Review organisation	Halifax home insurance reviews
Defaqto expert	Standard: 3 stars Ultimate: 5 stars
Overall Which? Score	62% for standard home insurance 69% for Ultimate home insurance

Our general opinion on Halifax home insurance

Halifax was founded in 1853 and now offers a wide range of insurance and financial products. The company joined in 2009 the Lloyds Banking Group. The home policy is therefore underwritten by Lloyds Bank General Insurance Limited.
The home insurance policy is rated 5 stars by Defaqto.
However the standard level of cover limits are below average when it comes to maximum sum insured, alternative accommodation, owner's liability for both building and contents insurance. The company doesn't provide great cover for outbuilding or thefts in the open for contents insurance as well.

The website is well documented and you can make claim, cancel your policy fully online. However, there is no customer portal for home insurance customers, only for online banking services.
Trustpilot reviews are low which means that the company may not deal with queries and claims compensation promptly.

What does Halifax home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones?

Applying for home insurance at Halifax will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.

Home insurance at Halifax covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Halifax buildings and contents insurance

Halifax provides three main types of household insurance:

• Buildings insurance
• Contents and personal possessions insurance
• Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Halifax building insurance	Limits
Maximum sum insured	£1 000 000
Owner liability	£1 000 000
Alternative emergency accomodation	£30 000
Period of home's unoccupancy cover	60 days
Repairs guarantee period	1 year
Trace and access	£5 000
Burst pipe	As standard
Blockage of sewer pipe	As standard
Gradual build-up of groundwater	Not covered
Subsidence	As standard
Underground services	As standard
Keys cover	£250
Flood and storm damage (except for fences)	As standard (optional extras for outbuildings)

Let’s have a look now at Esure contents insurance limits:

Contents insurance	Limits
Maximum sum insured	£100 000
Owner liability	£1 000 000
Alternative emergency accomodation	£20 000
Period of home's unoccupancy cover	60 days
Damage made by pets	Not covered
Contents kept in garden	£1 000
Contents kept in outbuildings (garage included)	£5 000
Thefts from outbuildings	£5 000
Single item limit for valuables	£3 000
Items temporarily removed from home	£20 000
Money in and outside the home	Inside: £500 Outside: 500 (under personal possessions cover - optional extra)
Credit cards in and outside the home	Inside: £500 Outside: 500 (under personal possessions cover - optional extra)
Business equipment kept at home	£5 000
Student equipment	£10 000 (optional extra)
Keys cover	£250

Halifax home insurance additional cover

On top of your Halifax buildings and contents insurance, you can find additional cover such as:

	Home insurance additional cover
Accidental damage cover	Optional extra or included as standard in the Ultimate level of protection
Home emergency	Optional extra Up to £1000 per call out Up to £250 for emergency accommodation
Boiler cover	Part of the home emergency optional extra Up to £1000 for boiler repair Up to £500 for boiler replacement
Legal protection	Optional extra Up to £50 000 for expert lawyers fees for you and your family
Personal possessions	Optional extra Up to £15 000 for personal possessions cover at home, £20 000 away from home Up to £15000 limit for personal possessions kept in a car
Mobile cover	Part of the personal possessions cover Up to £3000 limit
Bicycle cover	Optional extra £5000 limit

Halifax home insurance excess

The deductible you'll have to pay in case of claims are as described below:

	For both building and contents insurance
Excess for standard claims	£100 - £1000
Excess for escape water claims	£500
Excess for subsidence claims	£1 000
Excess for personal possessions	£100 - £1000
Excess for keys	£25

Halifax home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Halifax fees are as follows:

	Fees applied to manage your Halifaxhouse policy
Interests on payment installments	22,90%
To renew my policy	£0
To adjust my policy	£0,0
To duplicate documents	£0
To cancel my policy during cooling-off period	£0
To cancel my policy outside cooling-off period	£35
For payment default	£0
To switch from one insurer to Halifax	Not covered

How much does Halifax home insurance cost?

You will below indicative quotes for building and contents insurance at Halifax:

	Building insurance	Contents insurance
Excess	£100 - £1000	£100 - £1000
Home cover	Building: £250 000 Contents: £20 000 Personal items: £4 000	Building: £500 000 Contents: £50 000 Personal items: £8 000
Premium	£162,41	£318,67

It is very difficult to give a precise range of how much exactly will your home insurance cost at Halifax as it will mainly depend on:

• The insurance you apply for (building, contents, combined insurance, extras)
• Your address
• Your claim record
• The insured value of your home and of your personal belongings, etc.

Halifax will establish a risk rate, taking into account all these elements, and offer you a price based on it.

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Halifax home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Halifax home insurance?

Halifax claims are made by placing a phone call to the company after you must have ensured the following:

• Inform the police if your claim is due to theft, riot and vandalism.
• Prevent further damage.
• Get your policy number and check the level of cover.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

	How to claim on Halifax home insurance?
Claim online	You can fill in the claim form Then, wait for a claim manager to call you back.
Claim by phone	Claims (if policy number starts with HAP): 0345 300 5178 Claims (for other policies):0345 600 6001

How can I cancel Halifax house insurance?

To cancel your Halifax house insurance, here is what you need to know:

	Cancelling your home insurance at Halifax
Cancellation notice if Halifax cancel your policy	14 days
Cancellation fees	Fees during cooling-off period: £0 Fees outside cooling-off period: £35
Cancel by email	[email protected]
Cancel online	You can cancel your home policy online at Halifax.
Cancel by phone	03453005178 Mon-Fri: 8am-6pm. Sat: 9am-1pm.

How to contact Halifax home insurance?

Services	Phone numbers	Opening hours
Claims, renewal and general enquiries	If your policy starts with HAP - 0345 300 5178 All other policies - 0345 600 6001	Mon - Fri: 8am - 6pm Sat: 9am – 1pm
Emergency Homeline	If your policy starts with HAP/HDA/HIA: 0345 601 2651 All other policies – 0345 602 7307	24/7
Legal Helpline	If your policy starts with HDA: 0345 601 2651 All other policies: 0345 603 2254	24/7
New customers	0800 500 3973	Mon - Fri: 8am - 6pm Sat: 9am – 1pm

Halifax home insurance contact details

	Halifax contact details
Halifax address	Halifax, PO Box 548, Leeds, LS1 1WU
Customer service email	[email protected]
Chatbot available	Not available

How do I get Halifax home insurance quotes?

To get a quote online at Halifax, it couldn’t be simpler.

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Halifax is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Halifax home insurance quotes, you will need to provide:

• Your personal information: ID, age, phone number and job
• Your address and postcode
• Your homeowner record (claims included)
• Your home description (type of property, the date it was built, how many square metres inside and outside)
• Your property related status: do you own it, rent it, have a mortgage on it, etc.
• Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

• Are you a first-time buyer?
• Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
• Has the property ever been damaged by flood?
• Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Halifax house insurance quote

• Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
• Increase the excess amount you are willing to pay in case you make a claim.
• Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
• Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
• Consider index-linked cover for building insurance to follow prices of building materials.