expanded Home insurance

Protect your home and earn double Nectar points

Our home insurance gives you the peace of mind of knowing you're covered. And with a Nectar card, you'll earn double points on your Sainsbury's shopping and fuel, and get a discounted quote too.

Double Nectar points

Earn twice the points on your Sainsbury's shopping and fuel†

Tailor your cover

Buildings insurance, contents insurance or both — just choose what you need

Discounted home insurance

We discount our home insurance for all Nectar card holders‡

Buildings insurance? Contents insurance? Or how about both?

  • Buildings insurance. Cover for the structure of your home, along with permanent fittings such as fitted kitchens and bathrooms. About buildings insurance.
  • Contents insurance. The value of everything in your home can really add up. So make sure it’s protected. See our contents cover.
  • Combined buildings and contents insurance. All the features of buildings and contents cover in one neat package. Cover your home and contents.

Add optional extras to tailor your cover

Everyone's different, so everyone's cover needs to be different — that's why we offer a range of extras.

  • Home emergency cover
  • Bike cover away from home
  • Family legal protection
  • Key cover
  • Personal possessions cover
  • Enhanced accidental cover - buildings
  • Enhanced accidental cover - contents

Find out more about optional extras.

Need a Nectar card?

A Nectar card can save you money on your home cover, shopping and fuel. Just apply for your free loyalty card and you'll get your Nectar number straight away.

Get your home insurance quote

With our carefully selected range of insurers, we'll find you the best price we can for your home insurance

Add some extras

Build the exact cover you need for your home

Need answers?

See our most commonly asked questions and handy guides

†Double Nectar points.
1) Only available to customers buying a new Sainsbury's Bank Home Insurance policy.
2) You need to tell us your Nectar card number when you apply, and use this card with each Sainsbury's purchase.
3) Double points begin on your policy's cover start date. If you don't tell us your Nectar card number until after your cover start date, double points will begin on the date you tell us.
4) Double points stop when the policy is cancelled or you stop paying premiums.
5) Each Nectar account can only collect points from one home insurance policy.
6) It's only the base points you collect at Sainsbury's that are doubled. Bonus points won't be doubled, nor will any points from Argos, Habitat, Sainsbury's Bank, Sainsbury's Energy or any other Sainsbury's service.
7) By the 10th of each month, you'll get a bonus point award equal to the total of your base points during the previous month, up to a maximum of 20,000 points.
8) Sainsbury's Supermarkets Ltd award the points from this offer. Aimia Coalition Loyalty UK Ltd run the Nectar loyalty programme.
9) No cash alternative is available. Sainsbury's Bank reserves the right to alter, cancel or withdraw this offer without notice.

‡Guaranteed discount for Nectar card holders: The discount is based on information related to you and the transactions you've made with Sainsbury's supermarket and Sainsbury's Bank using your Nectar card. Don't forget to add your Nectar card number to your application. For more information go to sainsburysbank.co.uk/nectar.

Choose your cover

Explore our cover

Here's our home insurance at a glance — including our optional extras. So you can compare and choose what you need more easily.

What's included? Contents insurance Buildings insurance Buildings and contents insurance Optional extras - additional cover you can add to your policy for an extra cost
Buildings Sum Insured n/a Up to £1 million as standard Up to £1 million as standard  
Contents Sum Insured Up to £75,000 as standard n/a Up to £75,000 as standard  
Accidental damage tick Some specific cover
tick Some specific cover tick Some specific cover
Add extra Accidental Damage Cover Buildings or extra Accidental Damage Cover Contents for more protection
Contents during a move tick cross tick Cover yourself against accidental damage at the hands of professional removal contractors by adding extra Accidental Damage Cover.
Student belongings tick cross
tick  
Jewellery tick with our valuable items cover cross tick
Trace and access (finding a leak) cross tick tick Add Home Emergency Cover for when things go wrong
Bikes tickup to £750 a bike cross tick up to £750 a bike Add Personal Possessions Cover to get bicycle cover away from home.
No claims discount tick tick tick  
Garden contents tick cross tick  
Special occasions tick cross tick  
Replacement keys and locks
tick tick tick Add Key Cover for even more benefits

For more detail about what's covered and what's not, have a look at our policy documents.

Buildings insurance

See what's covered as standard

Contents insurance

See what's covered as standard

Get a quote

Find out more

Offers

A little something extra

At Sainsbury's Bank we want to help you stretch your household budget that little bit further with our special offers.

Our latest offers
  • Double Nectar points on your Sainsbury's shopping and fuel for as long as you have Home Insurance with us†
  • Guaranteed discount for Nectar card holders
    As a thank you for being a Nectar card holder you'll automatically get a discount on your home insurance within your quote. Get a quote today.‡
Not got a Nectar card?

It's free and you can get a Nectar card number straight away at nectar.com, allowing you to get our extra perks. Just enter your Nectar number when you're asked to. With your Nectar card you can also collect and spend Nectar points at Sainsbury's and with lots of other brands.

†Double Nectar points.
1) Only available to customers buying a new Sainsbury's Bank Home Insurance policy.
2) You need to tell us your Nectar card number when you apply, and use this card with each Sainsbury's purchase.
3) Double points begin on your policy's cover start date. If you don't tell us your Nectar card number until after your cover start date, double points will begin on the date you tell us.
4) Double points stop when the policy is cancelled or you stop paying premiums.
5) Each Nectar account can only collect points from one home insurance policy.
6) It's only the base points you collect at Sainsbury's that are doubled. Bonus points won't be doubled, nor will any points from Argos, Habitat, Sainsbury's Bank, Sainsbury's Energy or any other Sainsbury's service.
7) By the 10th of each month, you'll get a bonus point award equal to the total of your base points during the previous month, up to a maximum of 20,000 points.
8) Sainsbury's Supermarkets Ltd award the points from this offer. Aimia Coalition Loyalty UK Ltd run the Nectar loyalty programme.
9) No cash alternative is available. Sainsbury's Bank reserves the right to alter, cancel or withdraw this offer without notice.

‡Guaranteed discount for Nectar card holders: The discount is based on information related to you and the transactions you've made with Sainsbury's supermarket and Sainsbury's Bank using your Nectar card. Don't forget to add your Nectar card number to your application. For more information go to sainsburysbank.co.uk/nectar.

Features

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're after.

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.

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

Optional extras

Give your insurance a boost

Once you've taken care of the basics, you might want to add a little extra cover, for an additional cost, to make your policy your own. If you're out and about a lot, the cover for your things can come with you. If you're prone to the odd DIY mishap, give your home a bit more protection – just in case.

Home emergency cover

From boiler breakdowns to kitchen floods, we’re here for you 24/7

Bike cover away from home

Covering your bike when you’re out and about, with our Personal Possessions Cover

Family legal protection

Cover your costs if you have to go to court for a private legal dispute

Key cover

Don’t get locked out in the cold

Personal possessions cover

Cover for your belongings when you’re out and about

Enhanced accidental cover - buildings

Beef up your cover, for things like putting your foot through the attic floor

Enhanced accidental cover - contents

To help you deal with things like the paint spill on the new carpet

After the basics?

We’ve got the essentials covered – plus some nice-to-haves

Got a question?

Get answers to our most commonly asked questions

Existing customers

Already got home insurance with us?

Maybe you're looking to make a claim, add some extra cover to your policy, or change a few details. You might just have a question, or want to check what's covered.

You can do all that from here. Just tell us which of our policies you have and we'll point you in the right direction.

After more information?

Have a look at our frequently asked questions for more on how home insurance works and what we cover. 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.

And if you can't find what you're looking for, or you'd prefer to speak to someone instead, you can get in touch with us on the number below. We're on hand to help with whatever you need.

Guides

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 security

What is a valuable?

Guide to moving home

Guide to home insurance (PDF, 729KB)

Protecting against storm damage (PDF, 548KB)

What's covered under home insurance?

How to value your home and contents

How to go green at home (PDF, 869KB)

Avoid invalidating your insurance

Home insurance glossary