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Is your house covered while you're on holiday?

By Richard Evans

Provider Buildings Sum Insured Protection Alternative Accommodation Contents Sum Insured Protection Valuables Inner Limit Valuables Single Limit Tenants Liability Minimum Excess Home Emergency Cover Emergency Repairs Unoccupancy Period
AA high si* £20,000 none up to contents si* £1,500 £5,000 £50 no yes 30
Churchill high si* 15% of buildings si* index linked 30% of contents si* £1,500 20% of contents si* £0 no yes 30
Direct Line high si* £25,000 index linked 30% of contents si* £1,500 20% of contents si* £0 no yes 60
Elephant.co.uk index linked 10% of buildings si* index linked 10% of contents si* 35% of contents si* 15% of contents si* £50 no yes 60
Esure index linked ul index linked 33% of contents si* 33% of contents si* 20% of contents si* £0 optional yes 60
Greenbee unlimited si* £50,000 unlimited si* £20,000 £10,000 £10,000 £50 standard yes 60
Halifax unlimited si* £20,000 unlimited si* varies (5000-15000) £1,500 £5,000 £0 optional yes 60
Hiscox index linked 25% of buildings si* index linked £5,000 £5,000 £5,000,000 £100 standard yes ul
HSBC high si* 20% of buildings si* high si* £6,000 £1,500 £5,000 £50 optional yes 30
Lloyds TSB index linked 20% of buildings si* index linked 33% of contents si* £3,000 £2,000 £50 standard yes 60
Marks & Spencer unlimited si* ul unlimited si* ul £4,000 £40,000 £0 optional no 30
More Th>n high si* 20% of buildings si* high si* £7,500 £1,500 20% of contents si* £100 standard yes 60
Norwich Union Direct index linked 20% of buildings si* index linked £6,000 £1,500 £8,000 £50 optional yes 30
Sainsbury's Bank unlimited si* £20,000 index linked selectable (5000-15000) £1,500 £5,000 £50 optional yes 60
Tesco high si* £25,000 index linked 30% of contents si* £1,500 20% of contents si* £0 no yes 30
Yorkshire Bank high si* 20% of buildings si* high si* £10,000 £1,500 20% of contents si* £75 standard yes 60
Zurich high si* 20% of buildings si* high si* 40% of contents si* £2,500 £10,000 £75 no yes 60

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