Alternative accommodation

If you need to move out of your home as a result of an insured event, your policy will cover the cost so you can live somewhere else until the damage is repaired up to the maximum amount. If you have any pets the cost of any kennel fees for them will also be covered.

The cover is available where your main home becomes unfit to live in as a result of an insured event. These include fire, smoke, theft, storm, flood, subsidence, vandalism, fallen trees or branches, heavy snow, frost damage to water pipes or tanks, or if your home is occupied by squatters.

Available cover

Insurance is available to cover the necessary cost of comparable, alternative accommodation up to the maximum amount. The limit will depend on which policy and insurance level you pick.

You can choose from:

Combined buildings and contents insurance

  • Sainsbury’s Home Insurance - up to £40 000
  • Sainsbury’s Premier Cover Home Insurance - up to £80 000

Buildings only insurance

  • Sainsbury’s Home Insurance - up to £25 000
  • Sainsbury’s Premier Cover Home Insurance - up to £50 000

Contents only insurance

  • Sainsbury’s Home Insurance - up to £15 000
  • Sainsbury’s Premier Cover Home Insurance - up to £30 000

The contents and combined policies also include cover for the cost of storing your belongings if you need to move them out of your home to keep them safe.

How to claim

Make sure accommodation costs incurred are necessary and comparable and keep all receipts so you can send these with your claim.

Existing customers can find more details on making claims in our support section.

The Home Repair Network

Sainsbury’s home insurance includes a Home Repair Network Service. The network includes a database of honest and reputable tradesmen used to help deal with your claim quickly. Only vetted builders are used and work and payment will be arranged with them directly. Any work performed by network builders on your house is guaranteed for 12 months.

If you plan to arrange repairs yourself have a look at our tips on finding a trustworthy tradesman.

Damage prevention

You might also want to have a look at measures you can take to protect your home from storm damage including flooding and heavy snow. Find all of our guides here.

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