Reviewed: Halifax Home Insurance

Moneyfacts has rated Halifax Home Insurance Ultimate five stars for buildings and contents insurance and its standard Insurance policy four stars for both.

Analysts at Moneyfacts rate the best home insurance providers across all aspects of the insurance policy including pricing, services, and additional areas of cover. For example, accidental damage cover, personal possession cover and emergency helplines.

We have summarised the key features in Halifax's home insurance buildings and contents policies below. You can also choose upgrades or Ultimate cover. See below for more information.

• Cover for a private residence including some cover for your outbuildings
• Replacement for lost or stolen keys and locks for outside doors and fixed safes or alarms inside your private residence
• Pay for similar, short-term alternative accommodation for you, your family and domestic pets if your home becomes uninhabitable
• Clearing drain blockages if normal methods to clear this have not proven successful
• Tracing, removing, replacing and making good oil and water leaks that have caused damage to your home
• Cover for loss or damage if your building is damaged while emergency services access your property due to medical emergency or to prevent damage to property.

• Cover for contents in your private residence and some cover for contents in outbuildings.
• New for old on replaced contents
• Cover for contents in transit when moving home and using a professional removal firm
• Replacement of deeds and documents
• Payment to replace any downloaded data that is not recoverable
• Cover for loss or damage to any fixed items or home improvements made by you as a tenant if caused by a covered event
• Replacement of office equipment specifically used for your business
• Increased cover for gifts and extra food for applicable religious festivals, birthdays, weddings, civil partnership, and anniversaries
• Repayment of money lost or stolen from your private residence
• Replacement of visitor’s belongings if damaged or stolen when staying in your private residence
• Replacement of freezer contents due to accidental damage

You can select the following options to add to your Halifax home insurance policy.

Provides liability cover for accidental bodily injury to anyone outside of your family or domestic staff and damage to physical property you do not own or look after.

Outbuildings cover for both buildings and contents broadly provides the same cover as provided for your private residence.

This is cover for any damage that is accidental, sudden, and unexpected. Normal wear and tear to items is not included. You can choose accidental damage for buildings and contents. Examples of accidental damage cover for buildings includes a football smashing a window or a key snapping in a lock. For contents it could be to cover damage to your carpet if a drink has been spilled or dropping and breaking your mobile.

Pays up to £50,000 for legal costs and access to a legal advice helpline. This could be used for employment disputes, contract disputes, injury claims, identity fraud, jury service

Provides cover for emergency repairs, such as a boiler failure or power outage not usually covered by home insurance. Includes 24/7 helpline. Find your more about the best home emergency cover.

You can also upgrade your insurance to Halifax Insurance Ultimate and receive replacement sets cover. If an item that forms part of a matching set has been damaged, then all items in the set will be replaced. An example could be replacement kitchen doors, where these are part of a set buy only one door has been damaged. The replacement would be uniform to the set and this may mean replacing all the kitchen doors if that design is no longer available. Under your contents cover an example of this could be replacing a three-piece suite when only the armchair has been damaged.

The summary above is intended as a broad guide to the cover available. Consumers should check full policy details and any exclusions or conditions with the insurer.