Home Insurance

Available via insurance brokers, our home insurance product range is made up of three core products: Clear Essentials, Clear Advance and Clear Complete, to give you the buildings, contents or combined cover you need.

Clear Essentials

Clear Essentials is our entry-level product for customers who want to cut out the cost of cover they can live without. With buildings cover up to £300,000 and contents up to £30,000 as standard, Essentials is perfect for renters and first-time buyers.

Benefits include:

  • Flexibility to increase contents cover to £50,000 and buildings cover to £500,000
  • Option to add accidental damage – covering you for any unexpected breakages
  • Cover for loss and theft of keys (contents only) – getting you back into your home if your keys are lost or stolen
  • Unoccupancy cover for up to 60 days.

Clear Advance

Clear Advance is our mid-range product with generous levels of cover for customers who want to know they’re covered for more than just the usual events. With buildings cover up to £500,000 and contents up to £75,000 as standard, Advance is perfect for homeowners.

Benefits include:

  • Flexibility to increase contents cover to £100,000 and buildings cover to £1,000,000
  • 10% increase in contents cover for weddings, civil partnerships and religious festivals – covering you for the additional cost of valuables before and after an event, such as a wedding dress or wedding jewellery
  • Theft from outbuildings cover up to £11,250 as standard – protecting valuables in your shed, garage or greenhouse
  • Student belongings cover up to £3,000 – protecting family members if they are studying at college or university

Clear Complete

Clear Complete is our top level home insurance product with our highest levels of cover and more cover as standard. With buildings cover up to £1,000,000 and contents up to £150,000 as standard, Complete is perfect for those that demand more from their home insurance.

Benefits include:

  • Flexibility to increase contents cover to £150,000 and buildings cover to £1,500,000
  • Accidental damage (including damage by pets) as standard
  • Matching sets and suites cover – we’ll pay to replace a whole set if we can’t replace the damaged item
  • Counselling fees up to £1,500 – should you need any emotional support while we take care of your claim.

Benefit from using a BIBA broker

As professional financial service advisors regulated by the Financial Conduct Authority (FCA), you may wish to consider the benefits of using an insurance broker to arrange suitable protection.

Brokers are professionally trained to give advice. By comparing product features and prices from specialist or general insurers that you may not be able to access directly, brokers give you clear information and choice on cover as well as support on risk management and claims.

Find a broker

Get more information on the benefits of using a broker and help with finding one.