This depends on a number of factors – like the location, whether you or anyone else at the address has made claims in the past, plus the value of your home and its contents. Insurers look at all kinds of things when considering how risky it is to insure you and the cost of the home insurance.

This is any damage that happens to your home or its contents that’s the direct result of a single, unexpected and unintended event (one not resulting from any of the other causes detailed in our Policy Booklet). Full Accidental Damage isn’t covered by esure Home Insurance or esure Flex Home Insurance as standard, but it can be added to your policy separately.

We do cover mobile phones. Cover away from the home can be provided under the personal possession section of the policy, if you have chosen to add this. Your cover will be shown on your latest schedule, and this cover is subject to our normal policy limits and terms and conditions.

Yes, as long as it stays at your home it’s covered by our Contents Insurance. Please note, if your bicycle and accessories are worth over a certain amount as new you’ll have to name them as specified items in your policy - for esure Flex Home Insurance this is over £350, for esure Home Insurance this is over £500. If you have a bicycle under these values and you want it covered away from the home, you should add our Personal Belongings cover.

High risk items include things like watches, jewellery, mobile phones, paintings, articles of silver, gold or other precious metals, collections of stamps, coins or medals, personal computer equipment and furs, that cost over £1,500. 

The answer’s yes if you’re going on a short holiday. However, if you plan on leaving your home unoccupied for 30 consecutive days, this will void a number of elements of your cover (take a look at our Policy Booklet for more details).

Yes, if they’re a university student their belongings can be covered by our Contents Insurance if they are in university accommodation.

We only cover items that are kept in your home. If you’d like to protect them while you’re out and about, adding our Personal Possessions cover may be something you wish to consider.

Yes, they’re covered by our Buildings Insurance. If the structure of your home is damaged due to water escaping from your home’s water tanks, pipes, equipment or fixed heating systems, esure will cover the cost of finding the source of the leak and repairing what’s damaged as long as it's not classed as wear and tear.

Your boiler isn't covered by your home insurance. If you have purchased our optional extra Home Emergency cover, then there may be some cover in place. If your boiler is your main source of heating and suddenly fails for reasons other than wear and tear, we'll pay up to £500 to send someone to your home to try and fix it. If you have this cover it will be detailed on your latest schedule.

If a tree falls and damages your home or its contents, esure Home Insurance is designed to pay for any loss or damage caused. Saying that, if your home or contents are not damaged we won’t cover; the cost of removing a fallen tree or; any other damage caused.

Unfortunately not. Neither our Buildings Insurance nor Contents Insurance covers it as it’s considered normal wear and tear on your home.

Generally, your landlord will have buildings insurance for the structure of your home, but it's always best to check with them to be sure. You may still want to have contents cover for your personal belongings. You may also want to look into getting Tenants’ Insurance, which we more commonly call, Contents Insurance.