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50+? Insure your home with us

Save as much as 25% on our comprehensive over 50s home insurance when you buy online

Defaqto 5 star rated

Get a quote for SunLife Home Insurance Retrieve a quote

How SunLife Home Insurance can fit your needs

24/7 claims

so you never have to wait in an emergency

5 Star

rated cover

New for old

as standard

Choose from

a range of affordable options

What is SunLife Home Insurance?

  • Home insurance for buildings, contents or both, with flexibility over the cover you prefer
  • Choice of increased cover options for your buildings insurance, accidental damage and specified personal possessions
  • Somewhere to stay if your home becomes uninhabitable due to an insured event
  • Cover for contents temporarily removed from your home for up to 90 consecutive days or at any point while attending full time education
  • Policies are available to UK residents aged 18 and over. This includes England, Scotland, Wales, Northern Ireland, The Isle of Man and The Channel Islands. Certain Optional Extras may exclude some of the these locations
  • SunLife Home Insurance is arranged and administered by BISL Limited giving you quotes from a carefully selected panel of UK providers
  • You can choose to pay for your policy annually or by monthly Direct Debits
  • Premiums are reviewed if you make a mid-term adjustment
  • Limitations and exclusions apply – for full information, please check the sample policy document, available when you get a quote

Benefits and Features

Cover amount
Buildings insurance up to £1,000,000
Alternative accommodation up to £75,000
Theft or loss of keys up to £500
Tracing and accessing leaks inside the home up to £5,000
Property owners liability up to £2,000,000
Cover amount
Contents up to £50,000 as standard with the option to select a higher amount if required
New for old cover Included as standard
Alternative accommodation up to £20,000
Special events Contents Sum Insured recorded on the Schedule of Insurance is increased by 10%
Shopping in transit up to £250
Theft from a garage or an outbuilding up to £2,000
Plants in the garden up to £1,500 per policy term with a maximum of £250 per claim
Theft or loss of keys up to £500
Accidental damage to electrical items up to £1,000
Freezer contents up to £1,000
Visitors effects up to £300
Valuables within the home In total, up to 25% of the contents sum insured. £1,500 per item, pair or set
Personal possessions Optional cover
Money in the home up to £1,000 per policy term with a maximum of £500 per claim
Contents in the open up to £1,000 per claim

Extra Protection

With SunLife Home Insurance, you can tailor your policy to match your needs. For added peace of mind, you can increase your cover levels.

Additional Accidental Damage to contents – increase your standard policy cover to protect against those unfortunate incidents that damage your contents

Personal possessions – covers items away from home for loss, damage or theft, starting from £2,000, but no one item can be more than £1,500

Specified items – covers any items worth more than £1,500 by specifying them on your insurance. You can cover individual items up to £5,000 for loss, damage or theft in or away from your home

Get a quote for SunLife Home Insurance

Optional Extras

There are also three optional extras to choose from - allowing you to complement your insurance with additional cover. Something to think about if you'd like to extend your protection...

  • Family Legal Protection
  • Key cover
  • Home Emergency assistance
Find out more about optional extras

Your Online Self Service Centre

If you're already a SunLife Home Insurance customer, and your policy starts with a number, you can manage it at the Online Self Service Centre. With a simple log-in, you can:

  • access your policy online, 24/7
  • view, download and print policy documents
  • make a payment
  • change your payment details
Visit the Online Self Service Centre

If you have SunLife Home Insurance that begins with a letter, it is arranged and administered by One Insurance Solution, a trading style of Brightside Insurance Services Ltd, and you can ask questions and request changes by calling 0800 804 4964.

Lines are open Monday-Friday 9am to 6pm and Saturday 9am to 1pm.

Frequently asked questions*

What is the difference between building insurance and contents insurance?

Buildings insurance covers damage to the structure of your home (e.g walls, roof etc), outbuildings (e.g garage or shed) and its permanent fixtures and fittings. Contents insurance covers the personal belongings that you keep in your home. It also covers contents temporarily removed from your home for up to 90 consecutive days and contents temporarily removed from your home while attending full time education.

How much cover do I need?
What personal belongings are included with home contents cover?
What is 'Valuables Within The Home' cover?
What about things in the garage, or the garden shed?
What do I do if something happens that makes my property unsafe to stay in?
Can I increase my cover?
What is accidental damage?
Am I covered for accidental damage?
What is a policy excess?
Are my personal possessions covered away from home or on holiday?
Does Contents Insurance cover new for old?
How do I make changes to my policy?
How can I make a claim?

*Customers who purchased their policy before 8 March 2017 should call One Insurance Solutions on 0800 804 4964. Lines open Monday-Friday 9am-5.30pm and Saturday 9am-1pm.

Get a quote for SunLife Home Insurance

Here's the information that you need to know about who we are and the other companies that we work with in order to provide our products and services.

Who are SunLife?

AXA Wealth Ltd trades as SunLife and is the provider of the Guaranteed Over 50 Plan, SunLife Insurance and the life insurance policy payment option for Funeral Plans. AXA Wealth Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, No. 01225468). AXA Wealth Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. AXA Wealth Ltd is entered on the Financial Services Register (registration no. 119201).

AXA Wealth Services Ltd distributes financial products and services and trades as SunLife. AXA Wealth Services Ltd is a company limited by shares and the registered office is at 1 Wythall Green Way, Wythall, Birmingham B47 6WG (registered in England, no. 02238458). AXA Wealth Services Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (registration no. 465753).

‘SunLife’ (comprising of the companies AXA Wealth Services Limited, AXA Wealth Limited and AXA Sun Life Direct Limited) has been acquired by Pearl Life Holdings Limited (and now forms part of the Phoenix Group - www.thephoenixgroup.com). ‘AXA’ is a trademark that is owned by AXA SA and will be used for a short period under a licence granted by AXA SA to the Phoenix Group.

Pearl Life Holdings Limited is registered in England (4560778) at 1 Wythall Green Way, Wythall, Birmingham B47 6WG. As part of the Phoenix Group, AXA Wealth Limited will continue to be authorised by the Prudential Regulation Authority and regulated by Prudential Regulation Authority and Financial Conduct Authority. AXA Wealth Services Limited will continue to be regulated by the Financial Conduct Authority.

You can contact us by post at SunLife, PO Box 7054, Willenhall, WV1 9ZH or by phone on 0800 008 6060. As part of our commitment to quality service and security, calls may be recorded.

If you choose to add Funeral Benefit Option to your Guaranteed Over 50 Plan the funeral services are arranged and provided by Dignity Funerals Limited. Dignity Funerals Limited is a company registered in England and Wales No. 00041598. VAT registered No. 486 6081 14. 4 King Edwards Court, King Edwards Square, Sutton Coldfield, West Midlands, B73 6AP. Telephone No. 0121 354 1557. Fax No. 0121 355 808. Part of Dignity plc. A British Company. Dignity are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority but are registered providers with the Funeral Planning Authority.

Who provides the Funeral Plans?

The funeral services are arranged by a funeral director selected by Golden Charter Ltd. Golden Charter Ltd are not required to be authorised or regulated by the Financial Conduct Authority or the Prudential Regulation Authority in relation to funeral plans but are registered providers with the Funeral Planning Authority.

If you choose to pay for your funeral in one go, with a single payment, you will have a contract with Golden Charter. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

If you choose to pay for your funeral with a life insurance policy, the policy will be provided by AXA Wealth Ltd, trading as SunLife. The funeral services will be arranged by a funeral director selected by Golden Charter Ltd.

Who provides My Smarter (ISA)?

My Smarter (ISA) is provided by Scottish Friendly Asset Managers Limited. Authorised and regulated by the Financial Conduct Authority. Details can be found on the Financial Services register, registration No. 188832. Member of The Investment Association. Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ.

Who provides the Will writing services?

Hugh James is authorised and regulated by the Solicitors Regulation Authority (SRA Number:303202).

The information contained on this website is based on Hugh James' understanding of the law of intestacy in England and Wales only as at April 2014. The law in Scotland and Northern Ireland is significantly different. This is for information purposes and is not intended to be legal advice.

Who provides Family Life Insurance?

SunLife Family Life Insurance is provided by Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Details can be found on the Financial Services register (registration number 110002). Registered Office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. 

Who provides SunLife Pet Insurance

SunLife Pet Insurance is arranged and administered by BDML Connect Limited. BDML Connect Limited is authorised and regulated by the Financial Conduct Authority (No. 309140). Registered in England and Wales Number 02785540. Registered Office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent, TN13 2QB.

Who provides SunLife Home Insurance

SunLife Home Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.

Who provides SunLife Car Insurance

SunLife Car Insurance is arranged and administered by BISL Limited and underwritten by a panel of insurers. BISL Limited are an intermediary authorised and regulated by the Financial Conduct Authority. Registered in England no. 03231094. Registered office Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS.