Post Office: Home Insurance Available?

The Post Office offers home insurance to protect your property and its contents in case they are damaged or lost. The Post Office's home insurance policies are underwritten by Ageas and include buildings insurance and contents insurance, with two levels of cover available: Silver and Gold. Silver policies cover the building and contents for up to £1 million and £80,000 respectively, while Gold policies offer up to £1 million and £100,000 of cover respectively. Both levels include access to a legal helpline, a 24/7 claims line, and online self-service policy management. Optional add-ons are available for an additional fee, including home emergency cover and family legal protection.

Post Office home insurance offers two levels of cover: Silver and Gold

Yes, the Post Office offers home insurance. The Post Office's home insurance offers two levels of cover: Silver and Gold. Both policies are rated 5 Star by Defaqto, an independent financial information ratings body.

The Silver and Gold policies offer buildings insurance and contents insurance, which can be purchased separately or combined. Buildings insurance covers the physical structure of your home, including permanent kitchen and bathroom fittings, up to £1 million. Contents insurance covers your belongings and personal possessions inside and outside the home, up to £80,000 for Silver and £100,000 for Gold.

The Post Office's Silver policy includes alternative accommodation cover of up to £200,000 if your home is rendered uninhabitable. In contrast, the Gold policy has no upper limit for this type of cover. Silver policyholders can claim up to £1,000 for replacement locks and keys, while Gold policyholders can claim up to £1,000,000.

Trace and access cover is included in both policies, helping you find and fix costly leaks. The Silver policy covers up to £5,000 for a plumbing service, while the Gold policy has an upper limit of up to the buildings sum insured.

The Gold policy also includes acquired disability cover of up to £10,000, which provides financial support for any changes needed in your home if you become permanently physically disabled.

Optional add-ons are available for an additional fee, such as home emergency cover and family legal protection.

Buildings insurance covers the physical structure of your home

The Post Office does offer house insurance. Their buildings insurance covers the physical structure of your home, including the plumbing and electrical systems. It also covers fixtures that can't be taken anywhere, such as fitted kitchens and bathroom suites.

The Post Office's buildings insurance covers damage caused by flooding, leaking water, theft, subsidence, and malicious damage to the fabric of the building. It also covers the cost of the building up to £1 million.

Additionally, buildings insurance typically covers the cost of repairing damage to the structure of your property, including garages, sheds, fences, and the cost of replacing pipes, cables, and drains. It is worth noting that buildings insurance does not cover the contents of your home, and you may need to purchase separate contents insurance for that.

In terms of what is not covered by buildings insurance, it is important to note that general wear and tear, as well as damage caused by natural corrosion or ageing, are usually excluded. It is also important to carefully review the specific terms of your chosen insurance policy, as different insurers may have different inclusions and exclusions.

Contents insurance covers your belongings

The Post Office does offer house insurance, which includes contents insurance. Contents insurance covers your belongings, or "contents", in the event of theft, loss, or damage, including natural disasters, fires, or flooding. Contents insurance is separate from home insurance, which covers the building you live in, including fixtures and fittings.

Contents insurance covers your household items and personal belongings. This includes furniture, clothes, computers, fridges, televisions, tools, and jewellery. It's important to note that some high-value items may need to be explicitly listed on your policy to be covered. These could include portable items like handbags, glasses, cameras, bicycles, mobile phones, tablets, or laptops, as well as valuable items like jewellery, artwork, stamps, rare books, or memorabilia.

When choosing contents insurance, it's essential to consider the value of your belongings. Calculate the value of your possessions to determine how much cover you need and to identify what items are worth insuring. Most contents insurance offers the replacement value of your belongings, sometimes called "new for old" cover. This type of cover pays for the full cost of replacing your belongings with new ones, which is often more expensive. Some policies offer the value of your lost or damaged belongings at the time they are insured, which may be less than the cost of buying new items.

Additionally, most contents insurance doesn't include cover for accidental damage, so you may need to add this if you want protection against mishaps. When considering a policy, be sure to check what is excluded from the cover, such as damage caused by floods, intentional or criminal damage, or theft if windows or doors are left unlocked.

Contents insurance can be purchased as a standalone policy or as part of a combined home insurance policy with buildings insurance. It's worth noting that renters typically do not need buildings insurance, which is usually handled by the landlord, but they may consider a contents-only policy to protect their valuables.

You can add optional cover to your home insurance for an extra charge

The Post Office offers home insurance with optional cover that can be added to your policy for an extra charge. This includes Home Emergency cover and Family Legal Protection.

Home Emergency cover helps to prevent damage or further damage to your home by events such as heating or plumbing failures, power supply failure, and damage caused by vermin. Family Legal Protection provides legal advice and guidance for dealing with legal issues, and legal representation where needed.

The Post Office also offers Silver and Gold levels of cover, both of which are rated 5 stars by Defaqto. Silver policies include up to £80,000 of contents cover, while Gold policies include up to £100,000. Silver policies include up to £200,000 of alternative accommodation cover if your home is rendered uninhabitable, while Gold policies have no upper limit.

The Post Office's buildings insurance includes up to £1,000,000 of cover as standard, and covers the physical structure of your home, including permanent kitchen and bathroom fittings, against damage. It also includes replacement locks and keys if your keys are lost, stolen, or damaged, and trace and access cover to find and fix costly leaks.

Contents insurance covers any belongings within your home and personal possessions that you take outside the home, and protects against loss, theft, or damage. This includes high-value items such as jewellery and expensive electricals, garden cover for hedges, lawns, and plants, and home entertainment equipment.

Post Office home insurance reviews are mixed

The Post Office offers home insurance to protect your building, its contents, or both. Their home insurance policies are underwritten by Ageas Insurance Limited and rated 5 stars by Defaqto. The Post Office offers two levels of cover: Silver and Gold. Both levels offer buildings cover of up to £1 million and contents cover of up to £80,000 to £100,000. The Post Office's home insurance policies also include a 24/7 claims line and access to a legal helpline.

Reviews for the Post Office's home insurance are mixed. On Trustpilot, the company has an average rating of 2.2 out of 5 stars from 27 reviews. Some customers have complained about issues with refusing to refund cancelled policies, poor customer service, and difficulties with making claims. However, on Smart Money People, the Post Office's home insurance has an average rating of 2.28 out of 5 stars based on 53 reviews. While some customers have had negative experiences with the company, others have praised the Post Office as a good company that they trust.

Frequently asked questions