expanded Home insurance

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'll 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
  • We'll double the Nectar points you get on your Sainsbury's shopping and fuel†
  • Get a discounted home insurance quote if you have a Nectar card

Sainsbury's Bank home insurance is underwritten by a carefully selected range of insurers.

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 Home Home Plus
Sum insured up to £1 million as standard tick
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Accidental damage to fixed ceramic hob, sanitary ware, fixed glass tick
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Alternative accommodation up to £50,000 if your home is uninhabitable after an incident covered under your insurance tick
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Trace and access – we'll find and fix water or oil leaks from your home appliances or installations. tick
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Home Emergency Cover - from boiler breakdowns to kitchen floods, we’re here for you 24/7 Optional tick
Family Legal Protection – cover the costs if you have to go to court for a private legal dispute Optional tick

Contents Home Home Plus
Sum insured up to £75,000 as standard (Single valuable item limit £2,000) tick
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Accidental damage to TV, DVD and games consoles tick
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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 tick
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Home Emergency Cover - from boiler breakdowns to kitchen floods, we’re here for you 24/7 Optional tick
Family Legal Protection – cover the costs if you have to go to court for a private legal dispute Optional tick

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.


No Nectar card?

No problem, you can still get a discount. Just register for a Nectar card and you'll get your card number straight away.

Terms and conditions

†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. If you’re taking part in the new Nectar trial, it’s the points you get on new Nectar that are doubled. Bonus points won’t be doubled, nor will any points from Argos, Habitat, Sainsbury’s Bank (including travel money purchases), 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 qualifying points during the previous month, up to a maximum of 20,000 points.
8) Sainsbury's Supermarkets Ltd award the points from this offer.
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. sainsburysbank.co.uk/nectar.

Got a question?

Take a look at the frequently asked questions on our home and contents insurance.

Optional extras

Your Optional Extras

No two homes are the same. So you can make your insurance fit your needs perfectly 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 tick
Family Legal Protection Cover cover your costs if you have to go to court for a private legal dispute Optional tick
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

Got a question?

Take a look at the frequently asked questions on our home and contents insurance.

Get a quote

Find out more

What's included

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

Existing customers

Already got home insurance with us?

If you took out your policy with us on or after 1st February 2017 then you can manage your account online. The link below will take you to our online portal where you can log in or register for an online account to change your details, add extra cover and more. For policies that started before this date, you can find out how to make a claim and answers to our FAQs.

Did you take out your policy on (or after) 1 Feb 2017?

Underwritten by one of a panel of insurers
  • Manage your policy online
  • Check your documents
  • Buy another policy

Did you take out your policy
1 Feb 2012 - 2 Mar 2017?

Underwritten by UK Insurance Limited
  • How to make your claim

Did you take out your policy before 31 Jan 2012?

Underwritten by Halifax General Insurance Services Limited
  • How to make your claim
  • 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.

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