In January 2009, Halifax joined the Lloyds Banking Group, which also owns Lloyds Bank, Bank of Scotland and Scottish Widows, and its home insurance is underwritten by Lloyds Bank General Insurance Limited.
Halifax offers the following levels of home insurance cover:
Table note: The policy scores and information in the panel and tables below are for the “Standard” level of policy
What does Halifax home insurance cover?
Elements marked with a ✔ are covered as standard, those marked with a ✖ aren’t covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
Does Halifax offer the best home insurance?
Here’s how Halifax scored in our latest home insurance survey:
Halifax Home And Mobile Insurance review
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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
Halifax’s Silver home insurance policy: is it good or bad?
Halifax’s standard home insurance policy falls in the bottom half of the 58 policies we analysed, with its buildings cover scoring 71% to achieve a ranking of 19th.
Its contents cover ranked 26th, with a score of 64%.
Best and worst features of the Halifax Silver home insurance policy
As standard, Halifax’s buildings policy covers the blockage of sewer pipes. Its contents policy, meanwhile, covers digital downloads and provides up to £25,000 for personal items taken away from the home.
Halifax’s buildings policy won’t cover oil fired boilers or boilers that have not been annually serviced. With the Silver policy, you’re charged a £500 excess for escape of water claims – a little on the steep side compared to other providers we examined.
It also isn’t among the providers in our survey that will contribute towards the cost of cancellation fees if you switch to them before renewal with another provider.
We’ve rated hundreds of policy details and picked out the best and worst elements of this cover.
Members can log in to read our full policy analysis. If you’re not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of Halifax’s home insurance rated
Does Halifax offer different levels of cover?
Halifax also offers a higher level of cover through its premium Gold home insurance policy which scored 73% (9th) for buildings, and 65% ( 22nd) for contents.
The Gold policy provides more cover for contents (a maximum sum insured of £250,000 – as opposed to Silver’s £100,000 limit). You don’t have to pay higher excesses for water or subsidence claims.
Its Bronze policy has lower overall contents cover (a maximum of £50,000) and doesn’t offer any accidental damage cover.
Halifax also offers Gold and Bronze home insurance policies.
The Gold policy features more comprehensive cover at a higher price; the Bronze policy is cheaper but offers lower levels of cover. Log in to find out how we rated both policies.
How did customers rate Halifax’s home insurance?
As well as looking at how Halifax’s home insurance policy stacks up against others, we’ve also analysed how customers who have recently made a claim feel about it.
Halifax’s home insurance scored 67%, placing it in the lower half (9th place) of the 14 brands rated in our customer survey.
Members can log in to see our range of customer service star ratings and read about individual customers’ experiences. If you’re not already a member, join Which? and get full access to these results and all our reviews.
How Halifax’s home insurance scored for eight elements of customer satisfaction
Table last updated in March 2022. Next update in March 2023.
“-” represents where we have insufficient sample size (less than 30) to generate a star rating.
How can you save money on Halifax home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy – but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
Halifax home insurance can be bought online, over the phone, or from the following price comparison websites:
- Compare The Market
- Confused.com
- GoCompare
- MoneySupermarket
Above information correct as of February 2022. For more tips see our guide to getting a cheap home insurance quote.
What is Halifax’s claims number?
If you need to make a claim with Halifax home insurance, you can claim online, or call one of the following numbers:
- 0345 604 6473 if your policy starts with HBP.
- 0345 300 5178 if your policy starts with HAP.
- 0345 600 6001 for all other policies.
Find out more: is it worth claiming on your home insurance?.
