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