Home Insurance
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.
Getting a Quote
Please register to create an agency with us and gain access to the online quote software.
Contact the Business Development team if you have any questions.
Email: sales@keystoneinsure.co.uk
Tel: 01372 466377
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 | |||