Home Insurance
Exclusive 10% discount for existing motor customers
We're now offering home insurance, designed to give you top-notch cover and peace of mind. As a valued motor insurance customer, you'll get a 10% discount on your home insurance with 1st Central. Terms and conditions apply.
What our Home Insurance covers as standard
Whether you’re looking to protect your home and everything inside it, or just your personal belongings, we’ve got you covered.
We offer two types of Home Insurance:
• Buildings and Contents Insurance
• Contents Insurance
Up to £500,000 Buildings cover
Buildings insurance covered up to £500,000.
Structural damage or loss
This includes loss or damage to the structure of your home, including garages and outbuildings.
Replacement locks and keys
If your keys are stolen or the locks are damaged, we’ll pay to replace these for the external doors and windows of your home.
Accidental glass damage
Our policy covers accidental damage to glass and sanitary fittings, like sinks and toilets.
Underground services
This means we cover accidental damage to the mains services, such as underground pipes.
Leak cover
We’ll cover the cost of finding a leaking pipe which is causing damage to your building.
Alternative accommodation
If your home is unliveable following insured damage, we’ll provide alternative accommodation, so you can sleep easy.
Up to £75,000 of Contents cover
Cover the contents of your home up to £75,000.
Loss and damage
Get more peace of mind for accidents in your home, from electronics to carpets. We'll cover loss or damage to the contents in the home for those unexpected events
Cash cover
Loss or damage to money in your home is insured up to the amount shown on your policy schedule.
Fridge & freezers contents
Food that’s spoiled in your fridge or freezer due to a sudden temperature change is covered.
Metered water and oil cover
If water or oil is lost due to an accident, we'll cover the cost for you.
Bike cover
Calling all cyclists! Pedal bikes kept at home are covered up to £350.
Cover for outbuildings
We’ll cover loss or damage to what’s in your garage or outbuilding, up to £5,000.
What’s included with 1st Central Home Insurance?
Home Insurance starts from £164* We offer both buildings and contents cover, as well as contents cover on its own. Whether you need the bricks and mortar protected as well as your belongings, or just your belongings, we’ve got you covered with our great value insurance
*Based on 10% Buildings and Contents policies sold between April – September 2024 paying £164.
Additional cover for extra peace of mind
At 1st Central we know your home is more important than ever, that's why you can choose from a number of optional extras so you can tailor your home insurance to suit your needs. Our Home Insurance add-ons give extra peace of mind, and provide additional support when the unexpected happens, ensuring you can get on with your day.
Terms and Conditions
1. The 10% discount is available on new quotes generated directly through the 1st Central website. The discount is included in the final quoted price shown and is not cashback.
2. The discount only applies to the core home insurance policy and not to any ancillary products.
3. This discount maybe withdrawn at any time and cannot be used in conjunction with any other offer.
4. All new quotations are subject to the prevailing policy terms and conditions . It is possible that we may be unable to offer you a quote.
5. You must be an existing 1st Central customer with a live motor insurance policy to be eligible for this discount. This 10% discount is only available for your permanent address, where your existing motor policy is registered.
6. Any policy purchased with this home insurance discount remains a separate policy and is subject to its individual terms and conditions.
7. By generating a quote, you agree to by bound by these terms and conditions.