Buildings Insurance

Our buildings insurance protects your bricks and mortar, as well as the permanent fixtures and fittings inside.

If the worst happens and you need to repair or rebuild your property, don't worry. Whether it's from falling branches, flood or fire, Tesco Home Insurance gives you unlimited cover to pay for the cost of fixing your home and any outbuildings – including the wall around the edge of your land.

We haven't forgotten the permanent fixtures in your home so rest assured that your built-in kitchen and wardrobes, showers and baths are covered too.

We will cover your property should it be exposed to subsidence or heave of the site on which the buildings stand, or in the event of a landslip.

As the owner of the property your liability is covered. Our buildings insurance gives you up to £2m protection if someone is injured, dies, or other circumstances occur where you are legally responsible as the owner of the property, to pay damages.

If you are both the owner and the occupier of the building, to protect yourself you will also need to arrange contents insurance which provides occupier's liability cover.

You're covered for any repairs to burst or freezing pipes, whether it's water pipes or those carrying heating oil.

And if a sewer pipe gets blocked, we'll pay up to £5,000 to cover the cost of getting into the pipe between the main sewer and your home and fixing the problem.

With our Home Emergency Cover, you're covered for emergency temporary repairs at home. And you can get support 24 hours a day.

That means you'll get a fast, temporary fix - day or night - while we assess the damage and help to get things back to normal.

You can add Home Emergency Cover to your Tesco Home Insurance policy for an additional cost. And you'll get a discount with your Clubcard.

Not sure what cover you have?

You can check your cover by signing in or registering for Your Insurance Account.

Home Emergency cover is underwritten by Inter Partner Assistance S.A. UK Branch.

Accidents happen. So if your windows, the glass in your doors or even your solar panels get broken, we'll pay for replacements. We know that even the hardy bathroom sink isn't safe (aftershave bottles don’t bounce!) so the bathroom suite's covered too.

If you lose your house keys outside the home, or if they get stolen, we'll pay for new locks on your outside doors, helping to secure your home and your peace of mind.

If the damage to your home means that it isn't safe to stay there, we'll make sure that you and your loved ones, including your pets, have a suitable place to live while it's being repaired - up to a total of £50,000.

We also have a number of optional extras to boost your cover for an additional premium.

Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents.

You can tailor your buildings insurance by adding these optional extras for an additional premium.

You'll get all the cover provided with our standard package, plus protection against things like:

We offer 2 levels of Home Emergency cover for you to choose from, providing you with 24-hour urgent assistance across a range of emergencies in your home from plumbing, security, drainage, and loss of power to issues with your heating, boiler and pests.

Home Emergency cover is underwritten by Inter Partner Assistance S.A.

This provides cover of up to £100,000 for legal fees and costs, to help you, or a member of your family who normally lives with you, to claim compensation or to pursue and in some instances defend your or their legal rights.

Family Legal Guard is underwritten by AmTrust Specialty Limited.

Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents.

We're sorry to hear you're considering cancelling your Home Insurance policy.

To cancel your policy, you will need to call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. Fees will be charged to cancel your policy as per our terms and conditions which can be found in your policy booklet.

You can opt out of automatic renewal at any time. Just sign in to Your Insurance Account or by calling us.

*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

How do I get a Home Insurance quote?

You can easily obtain a home insurance quote online by clicking the 'Get a Quote' button and filling in your details or by giving us a call on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. All quotes will be valid for up to 30 days or your chosen start date.

*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

Can I retrieve my house insurance quote online?

Yes, you can retrieve your house insurance quote by clicking the 'Retrieve a quote' button and entering your reference number.

Tesco Home Insurance covers mobile phones and tablets for theft within the home. We cover tablets for accidental damage under home entertainment equipment cover. However, mobiles are not covered by this policy. You must add personal possessions cover if you want accidental damage cover for your mobile at home.

Policies that start with TI - £600 (subject to excesses)

Policies that start with QH - £1,500 (subject to excesses)

What’s not covered

Full terms and conditions can be found in your policy booklet.

You can check if you have or add personal possessions to your policy by signing into Your Insurance Account or by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.

We will send you details of your insurance renewal invitation approximately 21 days before your policy comes to an end. This will contain details of your renewal price, any changes to the terms and conditions and whether you need to contact us to complete your renewal.

You can renew your policy by signing in to Your Insurance Account and follow these steps:

After signing in, select the policy and click ‘View renewal’. Check the information is up to date (any errors could leave you without cover and could also affect how much you pay). We’ll then ask if you're happy to renew automatically or want to change your payment details (if you pay in full, we'll take your payment immediately). Confirm your payment details. If your policy is set to renew automatically, you don't need to do anything unless your circumstances have changed or you want to change your policy.

If you pay by Direct Debit, your new payments will start automatically. If you pay annually, we'll automatically take the new payment from the same card you used last year.

If you’re currently paying annually, and would like to switch to Direct Debit, please call our renewal team on the number below who will discuss your options.

If your policy is not set to renew automatically and you wish to renew, you must contact us before your renewal date to ensure we can guarantee the price we have sent you. You can also find details on how to renew your quote in your invite email.

If your policy is set to automatically renew but you don't want to go ahead, you can make a change by signing in to Your Insurance Account or calling us on 0345 246 2904* Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.

For more information visit our help for existing customers.

*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.