In January 2009, Halifax joined the Lloyds Banking Group, which also owns Lloyds Bank, Bank of Scotland and Scottish Widows, and its home insurance is underwritten by Lloyds Bank General Insurance Limited.
|Policy||Policy level||Buildings - maximum sum insured||Contents - maximum sum insured|
|Halifax Home insurance||Standard||£1,000,000||£100,000|
|Table note: The policy scores and information in the panel and tables below are for the 'standard' level of policy|
- Read our reviews of all the insurers included in our home insurance analysis
What does Halifax home insurance cover?
The summary below gives an at-a-glance view of the key areas that Halifax's home insurance covers as standard.
Elements marked with a ✓ are covered as standard, those marked with a ✘ aren't covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Burst pipes
Covers the cost of repairing burst pipes in the property
✓ Key cover
Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen
£ Accidental damage
Covers accidental damage to personal belongings, fixtures and fittings
£ Home emergency
Covers callouts and temporary repairs resulting from a home emergency
£ Personal possessions
Covers personal belongings against loss, accidental damage or theft when taken outside the home
£ Boiler cover
Covers the failure of a boiler or central heating system
£ Legal protection
Cover for legal costs resulting from claims such as property and employment disputes
Does Halifax offer the best home insurance?
Here's how Halifax scored in our latest home insurance survey:
To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score, and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.
Halifax's home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of Halifax's home insurance rated
Halifax also offers Ultimate home insurance, which features a higher level of cover for buildings and contents. Log in to find out how we rated it.
How did customers rate Halifax's home insurance?
As well as looking at how Halifax's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
How Halifax's home insurance scored for eight elements of customer satisfaction
Table last updated in March 2021. Next update in March 2022.
"-'"represents where we have insufficient sample size (less than 30) to generate a star rating.
Where can you buy Halifax home insurance?
Halifax home insurance can be bought online and over the phone.
Halifax's home insurance policy is available on the following price comparison websites:
- Compare The Market
Find out more: how to get cheap home insurance
What is Halifax's claims number?
If you need to make a claim with Halifax home insurance, call 0345 300 5178.
- Find out more: is it worth claiming on your home insurance?.
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