Choosing the right home insurance is simple. We have two levels of cover, you just need to pick. Will it be Essential or Enhanced?
Why choose home insurance with TSB?
Get a quick quote
Get a home insurance quote online in minutes. We have two levels of home insurance cover, so you can pick what's right for you.
No additional fees
We don’t have additional fees for paying monthly or making changes to your home insurance policy.
Insurance to suit your needs
Whether you’re after buildings, contents, or both, we have options.
What is home insurance?
Home insurance protects your home and your possessions from damage or from theft. The types of home insurance you can take out from TSB include:
Must be a UK resident and aged over 18 to apply
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Essential | Enhanced | |
|---|---|---|
|
Essential
|
Enhanced
| |
Buildings sum insured 
Maximum pay-out to rebuild or repair the main structure of your home for things such as fire, flood, or theft. Eligibility criteria applies. | ||
| Up to £1,000,000 | Unlimited
'Unlimited' means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. | |
Contents sum insured
Maximum payout for damage to your possessions in your home. Eligibility criteria applies. | ||
| Up to £100,000 | Unlimited
'Unlimited' means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. | |
Building accidental damage
Covers accidental damage to underground pipes and cables as well as damage caused by things like putting your foot through the ceiling, or leaving a hot pan on a kitchen worktop. | ||
| Optional |  Included | |
Contents accidental damage
Accidents like spilling a drink on your sofa or burning your carpet with the iron. | ||
| Optional | Included | |
Alternative accommodation
Accommodation for you and your pets if damage renders your home uninhabitable. | ||
| Up to £100,000 | Up to £200,000 | |
Matching items
If the item is part of a set and we can’t find an identical replacement, we’ll replace the whole set. | ||
 Not included | Included | |
Valuables (based on your selection)
Jewellery, watches, items of gold, silver or other precious metals; works of art (paintings, etchings, tapestries, statues, sculptures), stamp, coin, and medal collections. | ||
| £5,000 - £15,000 | £10,000 - £30,000 | |
Contents in the garden
Theft from garden (in the open). | ||
| Not included | Up to £3,000 | |
Theft from outbuildings
This covers the contents in outbuildings e.g. garden shed or garage. | ||
| Up to £1,450 | Up to £5,000 | |
Trace and access
For replacing any part of the building removed to reach escaping water or oil. | ||
| Up to £2,500 | Up to £5,000 | |
Buildings & contents minimum excess
The excess is the amount of money you have to pay to make a claim on your policy. Check if it is worthwhile making a claim as the excess might exceed the value of the claim. | ||
| £100 | £100 | |
Escape of water excess
This excess applies when you have a claim caused by an escape of water, such as a leak or burst pipe. | ||
| £500 + voluntary excess | £500 + voluntary excess | |
Must be a UK resident and aged over 18 to apply
/content/tsb-public/uk/en-gb/insurance/home-insurance/jcr:content/root/container/container/tabs/item_1713971303577/flexitable
Essential | Enhanced | |
|---|---|---|
|
Essential
|
Enhanced
| |
Buildings sum insured
Maximum pay-out to rebuild or repair the main structure of your home for things such as fire, flood, or theft. Eligibility criteria applies. | ||
| Up to £1,000,000 | Unlimited
'Unlimited' means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. | |
Building accidental damage
Covers accidental damage to underground pipes and cables as well as damage caused by things like putting your foot through the ceiling, or leaving a hot pan on a kitchen worktop. | ||
| Optional | Included | |
Alternative accommodation
Accommodation for you and your pets if damage renders your home uninhabitable. | ||
| Up to £100,000 | Up to £200,000 | |
Matching items
If the item is part of a set and we can’t find an identical replacement, we’ll replace the whole set. | ||
| Not included | Included | |
Trace and access
For replacing any part of the building removed to reach escaping water or oil. | ||
| Up to £2,500 | Up to £5,000 | |
| Blockage of sewage pipe | ||
| Optional | Up to £1,000 | |
| Underground services | ||
| Optional | Included | |
Buildings & contents minimum excess
The excess is the amount of money you have to pay to make a claim on your policy. Check if it is worthwhile making a claim as the excess might exceed the value of the claim. | ||
| £100 | £100 | |
Escape of water excess
This excess applies when you have a claim caused by an escape of water, such as a leak or burst pipe. | ||
| £500 + voluntary excess | £500 + voluntary excess | |
Must be a UK resident and aged over 18 to apply
/content/tsb-public/uk/en-gb/insurance/home-insurance/jcr:content/root/container/container/tabs/item_1713971310541/flexitable
Essential | Enhanced | |
|---|---|---|
|
Essential
|
Enhanced
| |
Contents sum insured
Maximum payout for damage to your possessions in your home. Eligibility criteria applies. | ||
| Up to £100,000 | Unlimited
'Unlimited' means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. | |
Contents accidental damage
Accidents like spilling a drink on your sofa or burning your carpet with the iron. | ||
| Optional | Included | |
Alternative accommodation
Accommodation for you and your pets if damage renders your home uninhabitable. | ||
| Up to £25,000 | Up to £50,000 | |
Matching items
If the item is part of a set and we can’t find an identical replacement, we’ll replace the whole set. | ||
| Not included | Included | |
Valuables (based on your selection)
Jewellery, watches, items of gold, silver or other precious metals; works of art (paintings, etchings, tapestries, statues, sculptures), stamp, coin, and medal collections. | ||
| £5,000 - £15,000 | £10,000 - £30,000 | |
Contents in the garden
Theft from garden (in the open). | ||
| Not included | Up to £3,000 | |
Theft from outbuildings
This covers the contents in outbuildings e.g. garden shed or garage. | ||
| Up to £1,450 | Up to £5,000 | |
Buildings & contents minimum excess
The excess is the amount of money you have to pay to make a claim on your policy. Check if it is worthwhile making a claim as the excess might exceed the value of the claim. | ||
| £100 | £100 | |
Escape of water excess
This excess applies when you have a claim caused by an escape of water, such as a leak or burst pipe. | ||
| £500 + voluntary excess | £500 + voluntary excess | |
Must be a UK resident and aged over 18 to apply
/content/tsb-public/uk/en-gb/insurance/home-insurance/jcr:content/root/container/container/tabs/item_1713971289695/flexitable
Essential | Enhanced | |
|---|---|---|
|
Essential
|
Enhanced
| |
Buildings sum insured
Maximum pay-out to rebuild or repair the main structure of your home for things such as fire, flood, or theft. Eligibility criteria applies. | ||
| Up to £1,000,000 | Unlimited
'Unlimited' means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. | |
Contents sum insured
Maximum payout for damage to your possessions in your home. Eligibility criteria applies. | ||
| Up to £100,000 | Unlimited
'Unlimited' means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. | |
Building accidental damage
Covers accidental damage to underground pipes and cables as well as damage caused by things like putting your foot through the ceiling, or leaving a hot pan on a kitchen worktop. | ||
| Optional | Included | |
Contents accidental damage
Accidents like spilling a drink on your sofa or burning your carpet with the iron. | ||
| Optional | Included | |
Alternative accommodation
Accommodation for you and your pets if damage renders your home uninhabitable. | ||
| Up to £100,000 | Up to £200,000 | |
Matching items
If the item is part of a set and we can’t find an identical replacement, we’ll replace the whole set. | ||
| Not included | Included | |
Valuables (based on your selection)
Jewellery, watches, items of gold, silver or other precious metals; works of art (paintings, etchings, tapestries, statues, sculptures), stamp, coin, and medal collections. | ||
| £5,000 - £15,000 | £10,000 - £30,000 | |
Contents in the garden
Theft from garden (in the open). | ||
| Not included | Up to £3,000 | |
Theft from outbuildings
This covers the contents in outbuildings e.g. garden shed or garage. | ||
| Up to £1,450 | Up to £5,000 | |
Trace and access
For replacing any part of the building removed to reach escaping water or oil. | ||
| Up to £2,500 | Up to £5,000 | |
Buildings & contents minimum excess
The excess is the amount of money you have to pay to make a claim on your policy. Check if it is worthwhile making a claim as the excess might exceed the value of the claim. | ||
| £100 | £100 | |
Escape of water excess
This excess applies when you have a claim caused by an escape of water, such as a leak or burst pipe. | ||
| £500 + voluntary excess | £500 + voluntary excess | |
Must be a UK resident and aged over 18 to apply
/content/tsb-public/uk/en-gb/insurance/home-insurance/jcr:content/root/container/container/tabs/item_1713971303577/flexitable
Essential | Enhanced | |
|---|---|---|
|
Essential
|
Enhanced
| |
Buildings sum insured
Maximum pay-out to rebuild or repair the main structure of your home for things such as fire, flood, or theft. Eligibility criteria applies. | ||
| Up to £1,000,000 | Unlimited
'Unlimited' means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. | |
Building accidental damage
Covers accidental damage to underground pipes and cables as well as damage caused by things like putting your foot through the ceiling, or leaving a hot pan on a kitchen worktop. | ||
| Optional | Included | |
Alternative accommodation
Accommodation for you and your pets if damage renders your home uninhabitable. | ||
| Up to £100,000 | Up to £200,000 | |
Matching items
If the item is part of a set and we can’t find an identical replacement, we’ll replace the whole set. | ||
| Not included | Included | |
Trace and access
For replacing any part of the building removed to reach escaping water or oil. | ||
| Up to £2,500 | Up to £5,000 | |
| Blockage of sewage pipe | ||
| Optional | Up to £1,000 | |
| Underground services | ||
| Optional | Included | |
Buildings & contents minimum excess
The excess is the amount of money you have to pay to make a claim on your policy. Check if it is worthwhile making a claim as the excess might exceed the value of the claim. | ||
| £100 | £100 | |
Escape of water excess
This excess applies when you have a claim caused by an escape of water, such as a leak or burst pipe. | ||
| £500 + voluntary excess | £500 + voluntary excess | |
Must be a UK resident and aged over 18 to apply
/content/tsb-public/uk/en-gb/insurance/home-insurance/jcr:content/root/container/container/tabs/item_1713971310541/flexitable
Essential | Enhanced | |
|---|---|---|
|
Essential
|
Enhanced
| |
Contents sum insured
Maximum payout for damage to your possessions in your home. Eligibility criteria applies. | ||
| Up to £100,000 | Unlimited
'Unlimited' means we won't place a limit on the total sum insured. Individual limits apply to certain areas of cover. | |
Contents accidental damage
Accidents like spilling a drink on your sofa or burning your carpet with the iron. | ||
| Optional | Included | |
Alternative accommodation
Accommodation for you and your pets if damage renders your home uninhabitable. | ||
| Up to £25,000 | Up to £50,000 | |
Matching items
If the item is part of a set and we can’t find an identical replacement, we’ll replace the whole set. | ||
| Not included | Included | |
Valuables (based on your selection)
Jewellery, watches, items of gold, silver or other precious metals; works of art (paintings, etchings, tapestries, statues, sculptures), stamp, coin, and medal collections. | ||
| £5,000 - £15,000 | £10,000 - £30,000 | |
Contents in the garden
Theft from garden (in the open). | ||
| Not included | Up to £3,000 | |
Theft from outbuildings
This covers the contents in outbuildings e.g. garden shed or garage. | ||
| Up to £1,450 | Up to £5,000 | |
Buildings & contents minimum excess
The excess is the amount of money you have to pay to make a claim on your policy. Check if it is worthwhile making a claim as the excess might exceed the value of the claim. | ||
| £100 | £100 | |
Escape of water excess
This excess applies when you have a claim caused by an escape of water, such as a leak or burst pipe. | ||
| £500 + voluntary excess | £500 + voluntary excess | |
What’s covered?
- Damage to your property and/or belongings such as by fire or theft.
- Loss of rent or somewhere to stay if your property is unable to be lived in as a result of a claim.
- Vandalism or malicious damage caused by tenants or guests.
- Water damage to your property and/or belongings caused by a burst pipe. Any work needed to find the leak is also covered under building insurance.
What’s not covered?
- Electrical or mechanical breakdowns - like a television not working due to a mechanical fault.
- Gradual deterioration or wear and tear - like carpets wearing out over time. Wet rot, dry rot, or frost damage.
- Theft and certain types of damage if your property has been left unoccupied for more than 60 consecutive days.
- Claims because something’s faulty or built badly to start with - like a bath leaking because it was poorly installed.
Policy terms and conditions, other cover limits, restrictions and exclusions apply. Please refer to our important documents below.
How to apply
To apply, you’ll need to be:
- 18 or over
- A UK resident
Please read, download or print the Important documents beforehand. The Initial Disclosure Document explains who we are and the service we provide.
How it works
1. Get a personalised quote
2. Choose your cover
3. You’re protected
Important documents
Get a quote
You can get a quote online
We have two levels of cover - Essential and Enhanced insurance.
Get a quote
Retrieve your existing Essential or Enhanced quotes
Compare our products
View documents
We can’t give you any recommendations or advice about home insurance, it’s up to you to choose what you think best suits your needs.
Get in touch
Chat with us
Use the chat service to talk to us about your insurance quote.
Give us a call
We’re on the phones 8am to 8pm Monday to Friday, 8am to 6pm Saturdays, and 10am to 4pm on Sundays and Bank Holidays.
Visit us in branch
If you’d rather talk to us in person, then book an appointment at your local branch.
Money worries
If you’re struggling with the cost of living, you’re not alone. We’re here to help you get the support you need.
Important Information
Terms, conditions, and policy exclusions apply.
TSB Essential and Enhanced home insurance is brought to you by TSB Bank plc and underwritten by Aviva Insurance Limited. Applications must be UK residents & aged 18+. Aviva Insurance Limited Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth, PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
You can check the FCA register or call the FCA on 0800 111 6768.
