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Home Insurance

The Co-operative Bank offers Home Insurance with award winning provider Legal & General and is designed to make insuring your home as simple as possible.

Five questions and a quote with Legal & General SmartQuote

You don’t have to worry about questions such as when your home was built, or what type of locks you have. We understand that your time, just like your home, is valuable, so you can receive a quote after only five questions.

What cover do you need?

Home Insurance can help protect you from unexpected events like escape of water, fire, storm, floods and theft.

Legal & General offer buildings cover, contents cover or a combined buildings and contents policy.

  • A combined policy helps give you peace of mind that your property and contents are protected together
  • Buildings insurance will cover you for loss or damage to the structure of your home (including its garages and outbuildings) against insured events
  • Contents insurance will cover the contents of your property and your personal belongings against loss or damage against insured events in the home

You can choose to take out Home Cover Extra or Everyday Home Cover.

What Home Cover Extra provides

A comprehensive level of cover for a wide range of events. It includes Accidental Damage and Home Emergency Cover as standard (tenants are not eligible for Home Emergency cover). With the option to add Personal Possessions Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection.

What Everyday Home Cover provides

A lower level of cover, but still includes important protection against events like fire, flood, storms, subsidence, escape of water and theft. You can choose to add additional cover like Accidental Damage, Home Emergency Cover (tenants are not eligible for Home Emergency cover), Personal Possessions Cover Away from the Home, Bicycle Cover, Valuable Items Cover and Family Legal Protection.

Everyday Home Cover Home Cover Extra
Defaqto rating Awarded 2 stars for home insurance by defaqto Awarded 5 stars for home insurance by defaqto
Quote Validity Period 90 Days 90 Days
Instalment Plan 1 initial payment plus 11 monthly payments 1 initial payment plus 11 monthly payments
Instalment Charge
Buildings Cover Up to £1,000,000 Up to £1,000,000
Accidental Damage Cover Optional
Home Emergency Cover Optional
Loss of rent and alternative accommodation Up to £25,000 Up to £50,000
Finding and accessing water and oil leaks Up to £5,000
Loss or theft of keys Up to £500 Up to £750
Contents Cover Choice of £60,000 or £80,000 Choice of £60,000 or £80,000
Alternative Accommodation Up to £10,000 Up to £15,000
Freezer contents Up to £1,000
Theft from outbuildings Up to £1,000 Up to £3,000
Contents in garden Up to £1,000
Plants in garden Up to £1,500

Policy Excess

Your chosen excess will apply on each claim (minimum £150). For Escape if Water claims your chosen excess plus £200 will apply. In the event of subsidence, heave or landslip, there’s an excess of £1,000 under Buildings Insurance.

For more information including the exclusions and limitations that apply please read the policy documents

Existing customers

If you are a Co-operative Bank customer and have already purchased an Everyday Home Cover or Home Cover Extra policy, you can access all your important documents through the Legal & General 'My Account’ portal.

Go to Legal & General My Account portal

Important information

The Co-operative Bank acts as an intermediary to Legal & General for Home Insurance, meaning we deal exclusively with Legal & General for the purpose of your policy. You will not receive advice or any recommendation from The Co-operative Bank or Legal & General on this arrangement. By choosing to get a quote, retrieve your quote or go to your Legal & General Account, you will be redirected to Legal & General, an external group to The Co-operative Bank.

Legal & General will provide The Co-operative Bank with information about the type of policy you have purchased. We will use this information to reconcile our accounts and to ensure any future marketing communications we may send you (subject to your consent) are relevant.

The Co-operative Bank will receive commission from Legal & General on Home Insurance policies purchased by Bank customers via this website

Learn more about our terms and services with Legal & General

Legal & General is a trading name of Legal & General Insurance Limited, Company registered number 423930: registered in England and Wales with registration number 202050. Registered office: One Coleman Street, London EC2R 5AA. Legal & General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Frequently Asked Questions

Frequently asked questions can help you if you need more information or have any queries about your policy provided by Legal & General.