Accidental damage
For when something happens suddenly and by accident, such as putting your foot through the ceiling when working in the attic.
Home buildings insurance
We find our best price and cover for you through our network of trusted insurers
Home insurance is offered through Co-op Insurance Services and provided by a select panel of insurers.
Reasons to choose Co-op Buildings Insurance
Wide range of cover
Our panel of insurers is carefully selected to provide cover at our best price.
Up to £1 million to repair or rebuild your home
Following loss or damage caused by events such as fire, flood, escape of water, storm and subsidence.
Nationwide network of tradespeople
We can contact our trusted tradespeople to repair covered damages, such as storm-related harm to a roof.
Leak locating and damage repaired
When a water leak in or under your home causes damage to your property.
Here when you need us
Our claims line is open 24 hours a day, 7 days a week.
Alternative accommodation
When you have to move out during a claim, we will help to cover the cost.
What's covered
These are the things we think you may need to know. For further information, please see our policy booklet and check if it meets your needs.
Buildings damage
up to £1 million
We will help cover the costs to repair or rebuild your property following loss or damage caused by events such as fire, flood, escape of water, storm and subsidence.
As standard you’re covered for loss or damage caused by events such as:
You’re not covered for:
If you choose our Accidental Damage add on you’re covered for when something happens suddenly and by accident, such as putting your foot through the ceiling when working in the attic.
Alternative accommodation
up to £100,000
We cover the cost of alternative accommodation if you or your family have to move out of your home during a claim.
Finding and accessing leaks
up to £10,000
When a water leak in or under your home causes damage to your property we will cover the cost to find the source of the leak.
Blocked drains
up to £5,000
When a drain is blocked and can’t be cleared by standard methods (such as rodding), we will help cover the cost of clearing the blockage.
Legal expenses
up to £50,000
When you require a trained professional, we provide a 24/7 helpline and costs to help you with a range of legal issues.
Co-op Member Prices
As well as an exclusive price on home insurance, members also get:
- lower prices in our food stores and online
- personalised offers every week
- access to presale tickets for Co-op Live, the UK's biggest arena
- a say in how Co-op is run
If you’re not yet a Co-op Member, you can sign up using the ‘Become a member’ button. This will include a one-off £1 joining fee.
Co-op Members get an exclusive home insurance discount. Your discount is applied if you are matched with our membership database during the quote process. This discount is not available on landlord insurance or add ons.
Co-op Members can win
to Co-op Live when they buy a new policy
What if your insurance came with tickets to the gig of your dreams? Co-op Members who buy a new insurance policy direct from us by 31 October 2025 can win one of 100 pairs of Dreamseats to Co-op Live.
Terms and conditions apply. Not available on landlord insurance.
Buildings insurance
Buildings insurance covers you when there is damage to the structure of your home and outbuildings. This includes exterior and interior walls, roof and floors and damage to fixtures and fittings. Alongside having insurance it is important to maintain and look after your home otherwise claims can be declined. We are unable to quote for buildings cover if your home is rented.
Buildings insurance is not compulsory but is usually a condition of securing a mortgage.
Kit worth£425
Exclusive SimpliSafe kit for only £99
Get this SimpliSafe kit for £99 when you buy a Co-op Home Insurance policy. Safeguard against burglaries, floods, burst pipes and more with this kit worth £425 including:
- entry and motion sensors to detect unauthorised access and movement
- water and temperature sensors for early warnings of leaks and potential burst pipes
- indoor camera to securely monitor your home
- 2 months free 24/7 Pro Premium Monitoring with fast alarm response and mobile notifications
Offer ends 2 January 2026. Terms and conditions apply.
Add ons
You can increase the level of cover on your policy with our add ons.
Existing customers
If you're one of our existing customers we're here to help.
Policy documents
- If you are a new customer your policy documents will be shown when you get a quote
- If you are an existing customer you can see your policy documents by logging into your account.
Supporting you through life
Co-op Insurance Services Limited will receive a percentage commission from your insurance payments and from any add ons.