M&S HOME INSURANCE
Cover you can rely on from a name you can trust because when it comes to protecting your home there’s no room for compromise on quality
- Defaqto 5-star Rated home insurance.
- Compare home insurance cover options – choose from standard or premier
- Accidental damage cover included with all premier policies
- Pay monthly at no extra cost. 0% APR representative
M&S Home Insurance is underwritten by Aviva Insurance Limited. Terms and conditions apply.
M&S Home Insurance is not available to customers who live in the Channel Islands or Isle of Man
Cover options
Premier or standard home insurance cover?
With premier home insurance from M&S Bank, you get extensive protection – including cover for:
- accidental damage – from paint spills on the carpet to knocking a nail through a pipe
- storm damage to gates and fences
- accidental damage to freezer contents
- visitors' belongings
- students' possessions – when your children are at university or college
- a dependent relative's possessions – when they're in a residential care home
You'll pay less for our standard home insurance, but your cover limits will be lower. For a detailed comparison please refer to the policy booklet, or for a quick comparison take a look at the table below:
Defaqto
5 Star Rated
Home Insurance
| Cover benefits | Premier | Standard |
|---|---|---|
| Buildings insurance limit | Unlimited Sum Insured | Up to £1,000,000 (inner limits apply) |
| Contents insurance limit | Unlimited (inner limits apply) | Up to £100,000 (inner limits apply) |
| Accidental damage cover | Included | Optional |
| Pedal cycle cover at home | Unlimited | Up to £100,000 |
| New for old replacements (including clothes) | Included | Included |
| Garden contents | Unlimited | Up to £100,000 |
| Storm damage to gates and fences | Included | Not covered |
| Up to 90 days unoccupancy | Included | Included |
| Protected no claims discount | Optional | Optional |
| Cover benefits | Buildings insurance limit |
|---|---|
| Premier | Unlimited Sum Insured |
| Standard | Up to £1,000,000 (inner limits apply) |
| Cover benefits | Contents insurance limit |
| Premier | Unlimited (inner limits apply) |
| Standard | Up to £100,000 (inner limits apply) |
| Cover benefits | Accidental damage cover |
| Premier | Included |
| Standard | Optional |
| Cover benefits | Pedal cycle cover at home |
| Premier | Unlimited |
| Standard | Up to £100,000 |
| Cover benefits | New for old replacements (including clothes) |
| Premier | Included |
| Standard | Included |
| Cover benefits | Garden contents |
| Premier | Unlimited |
| Standard | Up to £100,000 |
| Cover benefits | Storm damage to gates and fences |
| Premier | Included |
| Standard | Not covered |
| Cover benefits | Up to 90 days unoccupancy |
| Premier | Included |
| Standard | Included |
| Cover benefits | Protected no claims discount |
| Premier | Optional |
| Standard | Optional |
Cover limits will be lower with a Standard policy. Please ensure you read the policy booklet for full details and to check this policy meets your needs. There are key policy exclusions, limitations and other conditions. For example, M&S Home Insurance does not cover loss or damage resulting from wear and tear.
We carefully selected Aviva Insurance Limited to provide this quality home insurance. Terms, conditions, exclusions and limitations apply.