Halifax Home Insurance Review: Can You Take Advantage of the Discounts?

Halifax Home Insurance Review: Can You Take Advantage of the Discounts?

Good for

  • Paying lower premiums
  • Getting new-for-old cover
  • Higher Home Emergency call out reimbursement (£1,000)
  • Money towards boiler replacement with Home Emergency cover

Bad for

  • Those wanting an all-inclusive premium plan

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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In This Review

Halifax Home Insurance Review: What You Need to Know

Is Halifax home insurance any good? Halifax home insurance customer ratings are not very good, but their quotes are relatively competitive and their Silver and Gold buildings and contents cover have pretty good sets of features—but are they right for you? Here's what you should know before you buy a Halifax home insurance policy.

Halifax home insurance offers solid cover for your buildings and contents, with the option to add extras like Home Emergency, Legal Expenses, Accidental Damage and Away from Home cover. In comparison the the Bronze cover, their top-tier Silver and Gold plans include Accidental Damage and Legal Expenses.

Halifax sells three tiers of home insurance. Bronze is their basic plan. Silver and Gold are quite similar with higher cover limits plus a number of extras like Buildings Accidental Damage Cover and Contents Accidental Damage cover and Legal Expense cover. In addition, both plans can be further enhanced by adding features like Personal Belongings Away From The Home and Home Emergency.

Halifax Home Insurance Key Facts

  • Three home insurance options: 'Bronze', 'Silver' and 'Gold'
  • Bronze: Up to the full rebuild cost for buildings cover and £50,000 contents cover
  • Silver: Up to the full rebuild cost for buildings cover and £100,000 contents cover
  • Gold: Up to the full rebuild cost for buildings cover and £250,000 contents cover

Halifax Home Insurance Customer Complaints, Reviews and Ratings

According to Reviews.io, Halifax is rated with just 2.7 stars out of 5 by 400+ customers, with just 45% of respondents recommending Halifax Insurance. This rating reflects all Halifax Insurance products, so we've scoured through the reviews to learn about common complaints for their home insurance specifically. Here are some real customer complaints, many of which related to premium increases at renewal and dissatisfaction with the Home Emergency cover:

"Home emergency, three days later and still no engineer! No heating and no hot water and have a sick adult in the house. I now have sore throat and ear ache. It’s so cold!"

"I just called about a leak. Apparently this sort of leak is not covered as it is not a constant leak but only when you use the bath. It does not say this anywhere in the policy document."

"Received my insurance renewal, great shock it has risen by 45%."

"Took out "Emergency Home Cover" in addition to my general home insurance. I made a claim because of water getting into the loft area around the chimney following high winds, heavy rain and winter storms. The policy proved to be a waste of time and over two weeks later I was still waiting for "emergency" repairs. In the end got my own contractors in to sort it. I was promised dates from Halifax that just did not materialise and had to constantly keep phoning to find out what was going on. I Would definitely not renew."

"My insurance renewal has just come through and after my first year the price has increased by an unbelievable £148.33!"

"Bought the home insurance policy two weeks ago and despite several telephone request for policy documents to be emailed to me, I still haven't received them!"

"I have emergency home cover my boiler as broke down this tea time I have tried three times to contact them on the EMERGENCY number and have been on hold for over one hour first time 40 mins the second and 13 mins the third still can not get in touch so I have no heating or hot water if I get any other tradesman my policy will be void I have to contact them first before having any work done. Help."

"Having lost my diamond from my engagement ring I am over 12 weeks into a dispute where they are only offering me just over half of what my ring is insured for. It is valued higher than what it’s insured for too, which makes the situation worse. "

Halifax Home Insurance Quote Comparison

According to our sample quotes, we found that Halifax Home Insurance plans are priced near the average cost of home insurance in the UK. The following chart compares sample quotes for the basic Halifax home insurance plans with no added extras.

chart comparing Halifax home insurance premiums costs to market averages
Here's how Halifax home insurance prices recently compared to market average premiums

For this exercise, we quoted for a 35-year-old policyholder living in SN11, who had made no claims in the past 5 years. Insurance quotes can vary significantly from day to day and according to individual details, so please use this data for educational purposes only as your quotes may reflect a large degree of variation. Additionally, insurance policies across different companies can be difficult to compare directly, as they can vary in terms of excess, cover amounts, etc.

FYI Halifax gives the option to choose a voluntary excess from £100 up to £500. A policy with a higher excess will cost less, because you're committing to pay more towards any valid claims. While a lower premium is certainly enticing, before signing up for a policy with a higher excess be sure you'd be equipped to pay the excess in the event of a valid claim.

Halifax Home (Buildings and Contents) Insurance Add-On Costs

Here are estimated costs of add-on extras for a property when you buy an Halifax buildings & contents home insurance policy. While prices depend on a number of factors and may be different for your profile, it can be useful to get a general idea of rough costs for these optional features when you're deciding what cover to buy. Home Emergency is the same price regardless of plan. Away from Home cover is available at many different levels between £1,000 and £25,000; we show costs for those extremes as well as a mid point of £5,000.

Estimated Costs of ExtrasBronzeSilverGold
Home Emergency Cover£37.95£37.95£37.95
Away from Home (£1k)£3£3£3
Away from Home (£5k)£9£11£11
Away from Home (£25k)£20£25£25

Halifax Home Insurance Notable Exclusions

Halifax home insurance exclusions include (but are not limited to) storm damage to fences and gates, loss or damage if you've been away for either 30 or 60 days or more (depending on your policy), frost, damp or rot damage, computer viruses, coastal or river erosion, mechanical or electrical faults, etc.

You may want to keep these exclusions in mind if you go with Halifax or as you're comparing different home insurance plans. Clearly, we've only mentioned a few exclusions here. To find others that may be more relevant to you, it's always a good idea to read through the full list of exclusions in the policy documents.

  • Cover to contents when you are moving home is covered only if you use a professional removal firm.
  • If you have Away from Home cover, theft of unattended bicycles is excluded unless locked to a permanent object.
  • If you have Away from Home cover, theft from a vehicle is only included if the items were hidden from view in a locked boot, glove or luggage compartment and force or violence was used to gain access—note, as far as we can tell the policy documents do not specify an inner "theft from vehicle" limit (we frequently see a £1k or £2k limit from many other insurers).
  • Those who leave their homes unoccupied for more than 60 days at a time may not be covered—the documents state you must tell Halifax if no one will be living there for over 60 days in a row.

Halifax Buildings & Contents Insurance: What's Covered?

Halifax home insurance protects against calamities such as fire, flood, storm, theft, escape of water, subsidence (depending on cause) and other similar causes.

Cover benefits includeBronzeSilverGold
BuildingsFull rebuild costFull rebuild costFull rebuild cost
Accidental damageNot availableFull rebuild costFull rebuild cost
Plants in the garden£1,000£1,000£1,000
Tracing & accessing a leak£5,000£5,000£5,000
Blocked drains£1,000£1,000£1,000
If you need somewhere else to stay (if you live at the property)£100,000£100,000£100,000
Loss of rent (if you’re a landlord)£100,000Not availableNot available
Home owner’s legal responsibility£2,000,000£2,000,000£2,000,000
Damage by emergency servicesFull rebuild cost except trees, plants and shrubs where the limit is £1,000Full rebuild cost except trees, plants and shrubs where the limit is £1,000Full rebuild cost except trees, plants and shrubs where the limit is £1,000

Accidental damageNot available£100,000£250,000
Damage to frozen food£500£500£500
Visitors’ belongings£500£500£500
If you need somewhere else to stay£25,000*£25,000*£25,000*
Contents in outbuildings£5,000£5,000£5,000
Contents in the open£1,000£1,000£1,000
Trees & plants£1,000£1,000£1,000
Metered water£1,000£1,000£1,000
Personal legal responsibility£2,000,000*£2,000,000*£2,000,000*
Employer’s responsibility for domestic staff£10,000,000*£10,000,000*£10,000,000*
Protection for tenants£10,000*£10,000*£10,000*
Tenant’s home improvements£5,000*£5,000*£5,000*
Damage by emergency servicesContents sum insured except trees, plants and shrubs where the limit is £1,000Contents sum insured except trees, plants and shrubs where the limit is £1,000Contents sum insured except trees, plants and shrubs where the limit is £1,000
Legal ExpensesNot availableIncludedIncluded
Away from HomeOptionalOptionalOptional
Home EmergencyOptionalOptionalOptional


Halifax home insurance policies are underwritten by Lloyds Bank General Insurance Limited. Halifax home emergency cover is underwritten by AWP P&C SA and administered in the United Kingdom by AWP Assistance UK Ltd trading as Allianz Assistance. Halifax legal expenses cover is administered by Arc Legal Assistance Limited and underwritten by Royal & Sun Alliance Insurance Ltd.
Halifax covers pedal cycles at home through regular contents cover, but they don't cover mobility scooters, segways or electric bikes where the motor alone can make the bike go faster than 15.5 miles per hour. The Away from Home add on will cover bikes stolen from a public place or communal area as long as the bike was locked to something fixed like a post or cycle rack.
Those with children away at university can get cover with Halifax through optional Away from Home cover, which covers your student's contents when temporarily removed from your home in the British Isles, for loss or damage including accidental damage (so long as force or violence was used to gain access).
Trees and plants are covered through standard Halifax cover due to certain events like fire, explosion, malicious damage or vandalism, damage by a falling tree, branch, or moving car, or theft/attempted theft.
From time to time Halifax offers deals such as new customers benefiting from £50 cashback for combined buildings and contents policies that are held for at least 70 days (and for which the first premium has been paid). Or instead of cashback, you may be offered a different gift such as NOW TV SKY Cinema Pass, Night Away or an Amazon Fire 7 Tablet. At the time of this last update, they were offering 10% discounts for online purchases.
In the event that one piece of a matching set or suite is damaged and unable to be repaired or replaced, Halifax home insurance will attempt to repair the damaged item and where that's not possible will try to find a reasonable match or make a cash contribution of 50% towards the cost of replacing the undamaged item forming part of the same set or suite.
Halifax contents cover will reimburse for loss of or damage to your contents if the damage was caused by professional removal contractors for moves within the British Isles. In addition, cover is provided while your contents are held in temporary storage by the removals firm for up to 3 days.
Home office equipment (defined as 'equipment and furniture which you use when working from home to do computer work, paperwork and phone calls') is covered under contents insurance.
If you buy the extra home emergency cover, then emergency repairs to your boiler will be covered up to £1,000 (including VAT) and if the technician deems your boiler beyond economic repair Halifax will contribute up to £500 towards the cost of a new boiler. Your boiler needs to be maintained with a boiler service at least every 24 months, to be covered. The cost of an annual boiler service is around £73 in the UK.
Your Halifax home insurance policy may renew, depending on how you pay. According to the policy wording, Halifax will set up a recurring payment for those who pay annually by credit or debit card. If you're happy with the renewal premium and coverage (which you should get a few weeks before renewal) and you don't do anything, Halifax will continue to take payments to keep you covered. Notify Halifax if you don't want them to auto renew and take payment. There is no mention of monthly payment renewal in the policy documents.

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Erin Yurday

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.