Home Insurance

Our Home Insurance has a comprehensive range of features and benefits to give you the greatest peace of mind for your most cared for belongings. Including new for old replacement and alternative accommodation if you're ever unable to stay in your home.

Whether you want contents, buildings or both we've got it covered. £1 million Buildings cover as standard. £100,000 Contents as standard. You choose the optional extras that are right for you - meaning you only pay for the additional cover you actually need - a single policy wording underwritten by a carefully selected UK based leading insurance underwriter.

Underwritten by Ageas, the Keystone Home Insurance product offers a market leading cover whilst being flexible and affordable.

Ageas is an international insurance group ranked among the top 20 insurance companies in Europe.

We want to let you know...

As with all home insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any loss or damage caused by wet or dry rot and any loss or damage of any kind caused by or resulting from wear and tear. These are only examples. For full details of what's covered and what's not covered please read our Home Insurance policy booklet. Alternatively you can find further information in our Insurance Product Information Document.

Greater peace of mind with some optional extras

ACCIDENTAL
DAMAGE
PERSONAL
POSSESSIONS
HOME
EMERGENCY
COVER
LEGAL
EXPENSES

Getting a Quote

As the product provider of Keystone we do not sell directly to the public. If you contact us we can put you in touch with a registered broker that covers your area who will be able to provide you with a quote for one of our products.
Email: sales@keystoneinsure.co.uk

Overview

The cover limits below apply to policies sold or renewed after the 1st July 2020. For policies purchased prior to this date please see individual policy documentation.

Buildings Cover Limits
Causes Covered Standard Policy Limit
Buildings cover maximum claim limit £1,000,000
Homeowner’s legal responsibilities £2,000,000
Rent & alternative accommodation 20% of the maximum claim limit for buildings
Being forced to leave your home 20% of the maximum claim limit for buildings
Home improvements £1,000
Contents Cover Limits
Causes Covered Standard Policy Limit
Contents cover maximum claim limit £100,000
Cover for valuables in the home 30% of the maximum claim limit for contents, £2,500 item limit
Items over £2,500 must be specified to be covered, maximum limit £20,000
Maximum for all jewellery & watches in the home unless stolen from a fixed, locked safe £10,000
Business equipment £5,000 total; £2,500 item limit
Theft of contents from an outbuilding or garage £1,000
(if outbuilding or garage is locked) £2,500 per outbuilding or garage; £5,000 overall limit
Fatal injury occurring in the home £10,000
Loss of metered oil or water £2,000
Contents in the garden £2,000 total; £500 item limit
Money £750
Credit cards £1,000
Deeds & documents £2,500
Guests personal belongings £1,000
Taking shopping home £400
Garden cover £1,500
Counselling fees £1,000
Moving home cover £5,000
Contents taken away from the home 20% of the maximum claim limit for contents
Tenants home improvements 10% of the maximum claim limit for contents
Rent & alternative accommodation 20% of the maximum claim limit for contents
Special events Maximum claim limit for contents is increased by £5,000
Being forced to leave your home 20% of the maximum claim limit for contents
Downloads & computer files £1,000
Recently purchased contents £1,000
Public & personal legal responsibilities £2,000,000
Unpaid damages £2,000,000
Legal responsibiity for domestic employees Legal responsibiity for domestic employees
Protection for tenants 20% of the maximum claim limit for contents
Optional Cover Extensions
Causes Covered Buildings Contents Standard Policy Limits
Accidental damage cover Y Y Up to the buildings or contents maximum claim limit
Everyday personal belongings N/A Y Minimum £1,000, maximum £15,000, £2,500 limit per item
Higher value personal belongings N/A Y Up to £15,000 in total, £10,000 item limit
Bicycles N/A Y Up to £20,000 in total, £2,500 limit per bicycle
Personal legal protection Y Y £50,000
Standard Policy Excess Amounts
Cause Excess Amount Cause Excess Amount
Standard policy excess £100 Subsidence* £1,000
Leaking or freezing water & leaking oil £350 Flood* £250
* Excess amount is unaffected by any voluntary excess that may be chosen