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Home insurance
Savings to sing about. Choose the level of cover to suit you.
Δ 10% of consumers could achieve this saving in their first year with Sainsbury's Bank Buildings and Contents Insurance. Online independent research by Consumer Intelligence. July 2023 to September 2023.
Compare our home insurance
We have two levels of cover to choose from, Home or Home Plus.
Here's just some of the features you get as standard with Sainsbury's Bank Home Insurance:
- Alternative accommodation – if you can't live in your home following a valid claim, we can help pay for your accommodation while your place is being fixed.
- Accidental damage – you get some cover as standard but you can upgrade this as an optional extra.
- No claims discount – money off next year's premium if you don't make a claim.
On top of this, with Home Plus we’ll include:
- Home Emergency Cover – for unexpected events like boiler breakdowns or blocked drains.
- Family Legal Protection – help cover unexpected legal costs. Comes with a 24-hour legal helpline too.
Why choose Sainsbury's Bank Home Insurance?
In short, you get more than just good cover for your home.
- Choose the level of cover you want – we have Home or Home Plus Insurance to cover your buildings, contents or both
- Get a discounted home insurance quote if you are a Nectar member ‡
- Download our app to check your cover details and make changes to keep your policy up to date with no admin fee
Sainsbury’s Bank Home Insurance is arranged and administered by Sainsbury’s Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.
Download our app
Our Home Insurance app is designed to help you keep tabs on your policy and cover options. Here’s the handy things it’ll help you do:
- View policy cover and renewal dates
- Upload documents such as proof of no claims
- Make changes to cover with no admin fee
- Find out how to make a claim
- Cancel your policy
Download on Google Play or App Store.
You can choose home insurance, contents insurance or both
Insure your house, its contents or a combination of the two. It's up to you.
- Buildings insurance cover insures the structure of your home, plus permanent fittings like fitted kitchens and bathrooms.
- Home contents insures the value of everything in your house which can really add up. So make sure it’s protected.
- Combined buildings and contents insurance covers your home and its contents with one neat package.
| Buildings | Home | Home Plus |
|---|---|---|
| Sum insured up to £1 million as standard. |  |
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| Accidental damage to fixed ceramic hob, sanitary ware, fixed glass. | |
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| Alternative accommodation up to £50,000 if your home is uninhabitable after an incident covered under your insurance. | |
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| Trace and access – we'll find and fix water or oil leaks from your home appliances or installations. | |
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| Home Emergency Cover – from boiler breakdowns to kitchen floods, we’re here for you 24/7. | Optional | |
| Family Legal Protection – cover the costs if you have to go to court for a private legal dispute. | Optional | |
| Contents | Home | Home Plus |
|---|---|---|
| Sum insured up to £75,000 as standard (single valuable item limit £2,000). | |
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| Accidental damage to TV, DVD and games consoles. | |
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| Alternative accommodation up to £15,000 if your home is uninhabitable after an incident covered under your insurance (up to £50,000 when combined with Buildings cover). | |
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| Garden Contents cover up to £2,000 on plants, garden items and children’s toys. | |
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| Home Emergency Cover – from boiler breakdowns to kitchen floods, we’re here for you 24/7. | Optional | |
| Family Legal Protection – cover the costs if you have to go to court for a private legal dispute. | Optional | |
Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.
Tailor your cover with some optional extras
Everyone's different, so choose from our range of extras to build the cover that works for you – from legal protection to bike cover when you’re away from home.
See our home and contents insurance extras.
Not a Nectar member?
No problem, just download the Nectar app or register at nectar.com 
.
Got a question?
Take a look at the frequently asked questions on our home insurance.
Terms and Conditions
Δ 10% of consumers could achieve this saving in their first year with Sainsbury's Bank Buildings and Contents Insurance. Online independent research by Consumer Intelligence. July 2023 to Septemer 2023.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
Your optional extras
No two homes are the same. So you can make your insurance fit your needs with our optional extras.
| Tailor your cover | Home | Home Plus |
|---|---|---|
| Home Emergency Cover from boiler breakdowns to kitchen floods, we’re here for you 24/7. | Optional | |
| Family Legal Protection Cover cover your costs if you have to go to court for a private legal dispute. | Optional | |
| Personal Possessions Cover for your belongings when you’re out and about. | Optional | Optional |
| Key Cover don't get locked out in the cold. | Optional | Optional |
| Bike Cover away from home covering your bike when you're out and about, with our Personal Possessions Cover. | Optional | Optional |
| Enhanced Accidental Cover – buildings boost up your cover, for things like putting your foot through the attic floor. | Optional | Optional |
| Enhanced accidental Cover – contents to help you deal with things like the paint spill on a new carpet. | Optional | Optional |
| Excess Cover – claim back the total excess you have to pay if you make an eligible claim. | Optional | Optional |
Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.
Got a question?
Take a look at the frequently asked questions on our home insurance.
Terms and Conditions
Δ 10% of consumers could achieve this saving in their first year with Sainsbury’s Bank Buildings and Contents Insurance. Consumer Intelligence. July 2023 to September 2023.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
Find out what's included
Our home insurance covers you from floor to ceiling – and even out to the garden. We'll take care of your valuables and we'll protect your children's belongings while they're studying away from home. Plus, we've got garden contents cover for your plants and patio furniture, and we'll even get on the case if your house gets a leak.
And that's before you look at our optional extras, which you can add for an additional cost. Whether it's extra Accidental Damage Cover for your clumsier days or Personal Possessions Cover when you're out and about, you can get the insurance you need.
The essentials
Depending on whether you go for contents or buildings insurance, or both, here are just some of the home insurance benefits you can get as standard when you sign up.
Buildings cover
Accidental damage as standard.
Contents cover
Accidental damage as standard.
Student cover
Keep their things covered when they fly the nest.
Garden contents cover
From trees to trampolines, the contents of your garden are covered.
Trace and access cover
Sprung a leak? Find and fix it with trace and access cover.
Special events cover
We increase your contents cover by £7,500 on special occasions.
Household removal cover
One less thing to worry about when you’re moving house.
Jewellery cover
Keeping your gems and jewels safe in the home.
Bike cover
Keep your wheels protected at home.
Gadget and mobile cover
Home Insurance with some cover for your mobiles and gadgets.
Optional extras
Add a little extra cover to make your policy your own.
Got a question?
Get answers to our most commonly asked questions.
Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.
Sainsbury's Bank Home Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.
Terms and Conditions
Δ 10% of consumers could achieve this saving in their first year with Sainsbury’s Bank Buildings and Contents Insurance. Consumer Intelligence. July 2023 to September 2023.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
Supporting the people of Ukraine
Following the launch of the Homes for Ukraine scheme, we want to support our customers who open their homes and properties to help those displaced by the conflict.
Customers who wish to be considered should first visit the official government website and register their interest.
If you are successfully accepted as a sponsor under the scheme and will be sharing your main property with those displaced by the conflict, you do not need to inform us. Their belongings will be covered within your home contents policy limit and your cover will remain the same. This will apply for the first 12 months of any refugees living with you, including when your policy is due for renewal. If after 12 months, any refugees are still living with you, then please contact us.
If you are successfully accepted as a sponsor under the scheme and will be sharing your second homes, guest homes or another unoccupied property please contact us immediately upon acceptance so that we can consider your request.
Why use the Portal?
Checking your details is quick and easy. You can also:
- Keep your policy up to date by making changes like changing your address or cover if you need to
- View your insurance documents online, with instant access whenever you need them
- Upload documents like proof of no claims discount
- Renew your policy and pay online if you need to
- Cancel your policy
To make managing your policy even easier these great features are also available on our app which you can download from the App Store or Google Play. You can login using the same details.
Did you take out your policy on (or after) 1 Feb 2017?
Underwritten by one of a panel of insurers.
Did you take out your policy 1 Feb 2012 - 2 Mar 2017?
Underwritten by UK Insurance Limited.
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How to make your claim
Did you take out your policy before 31 Jan 2012?
If your policy number begins with NHP, SBY your policy is underwritten by Halifax General Insurance Services Limited. If your policy number begins with HBP your policy is underwritten by Lloyds Bank Insurance Services Limited.
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How to claim
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FAQs
After more information?
Have a look at our frequently asked questions for more on our home insurance and how it works. We’ve also put together some helpful guides on everything from security tips for students and moving home to going green and protecting your home against storms.
Sainsbury's Bank Home Insurance is arranged and administered by Sainsbury's Bank and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.
Terms and Conditions
Δ 10% of consumers could achieve this saving in their first year with Sainsbury’s Bank Buildings and Contents Insurance. Consumer Intelligence. July 2023 to September 2023.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.
Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.
Helpful guides
Tools, guides and resources
A range of tools and guides to help you keep your home and personal belongings safe and secure.
Guide to home insurance (PDF, 728KB)
Protecting against storm damage (PDF, 547KB)
What's covered under home insurance?
How to value your home and contents
How to go green at home (PDF, 868KB)
Avoid invalidating your insurance
Terms and Conditions
Δ 10% of consumers could achieve this saving in their first year with Sainsbury’s Bank Buildings and Contents Insurance. Consumer Intelligence. July 2023 to September 2023.
‡ Guaranteed discount for Nectar members: The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.