• How SunLife Home Insurance can fit your needs

    Choose your preferred cover options and optional extras so your protection suits you. Don't pay more than you have to.

    You'll get competitive quotes from a carefully selected panel of UK providers.

    Standard contents cover of £50,000 (with the option to select a higher amount if required) and buildings insurance up to £1,000,000. Plus flexible cover options to match your needs and budget.

    We’ll replace your old goods with brand new ones as standard – like for like, or with the nearest equivalent.

    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

    The important bits

    • 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
    Defacto 5 Star Home Insurance

    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

    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
  • 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
  • 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.

    Get a quote for SunLife Home Insurance