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Defaqto
Quality insurance – 5 Star Defaqto rated car & home insurance
Home insurance
Looking for great cover for your home, contents, or both?
- A choice of 3 Star or 5 Star Defaqto rated cover
- 24/7 access to your policy in your Account, whichever you choose
Existing Customer
Check your details, make a change, or report a claim 24/7 in your Account.
Choose the product that meets your needs
We now have two great products to help you protect your home - esure Flex Home Insurance, and esure Home Insurance. Take a look at how the two compare:
 |  | |
|---|---|---|
| Defaqto rating |  |  |
| Buildings cover | Up to £750,000 | Unlimited |
| Contents cover | Up to £75,000 | Specified by policyholder |
| Fridge and freezer contents | Up to £500 | Up to £1,000 |
| Liability cover | Up to £1 million | Up to £2 million |
| Specified items cover away from the home | ✖ Only if you request it | ✔ On all items as standard |
| Escape of water | ✔ | ✔ |
| Storm and flood | ✔ | ✔ |
| Theft and attempted theft | ✔ | ✔ |
| Alternative accommodation | ✔ | ✔ |
What’s the difference between buildings and contents insurance?
Buildings Insurance
Covers the actual structure of your home – including things like walls and windows, but can also extend to permanent fixtures like bathroom suites. Please note; if you’re buying a home, you are likely to need buildings insurance in place when you get a mortgage (this is a condition for most mortgages).
Buildings Insurance
Covers the actual structure of your home – including things like walls and windows, but can also extend to permanent fixtures like bathroom suites. Please note; if you’re buying a home, you are likely to need buildings insurance in place when you get a mortgage (this is a condition for most mortgages).
Boost your cover
Family Legal Protection
Access to expert lawyers with up to £50,000 of legal costs cover for you and family. Events covered include employment tribunals, damages for personal injury, jury cover, and more. If you ever use Family Legal Protection your No Claim Discount won’t be affected.
Home Emergency Cover
Get in touch with us and we'll arrange for a tradesman to visit your home and carry out emergency repairs. Call-out charge, labour cost, parts and materials to a limit of £500 including VAT (subject to a £25 excess) are covered by esure. If you do need to make a call out, your No Claim Discount won’t be affected.
Pest Cover
No one wants to have to deal with an infestation and if you buy our pest cover you won’t have to. We cover exterminations up to £150 for wasps, hornet nests, mice, rats, and squirrels. Extermination cover is extended up to £200 for bedbugs. If you ever use your pest cover, your No Claim Discount won’t be affected.
Trustpilot
Rated Excellent on Trustpilot – TrustScore rated 4.3/5
Defaqto
5 Star Defaqto rated car & home insurance
Frequently Asked Questions
Generally, your landlord will have buildings insurance for the structure of your home, but it's always best to check with them to be sure. You may still want to have contents cover for your personal belongings. You may also want to look into getting Tenants’ Insurance, which we more commonly call, Contents Insurance.
Unfortunately not. Neither our Buildings Insurance nor Contents Insurance covers it as it’s considered normal wear and tear on your home.
If a tree falls and damages your home or its contents, esure Home Insurance is designed to pay for any loss or damage caused. Saying that, if your home or contents are not damaged we won’t cover; the cost of removing a fallen tree or; any other damage caused.
Your boiler isn't covered by your home insurance. If you have purchased our optional extra Home Emergency cover, then there may be some cover in place. If your boiler is your main source of heating and suddenly fails for reasons other than wear and tear, we'll pay up to £500 to send someone to your home to try and fix it. If you have this cover it will be detailed on your latest schedule.
Yes, they’re covered by our Buildings Insurance. If the structure of your home is damaged due to water escaping from your home’s water tanks, pipes, equipment or fixed heating systems, esure will cover the cost of finding the source of the leak and repairing what’s damaged as long as it's not classed as wear and tear.
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