Home > Home Insurers > Swinton


With insurance products ranging from car and travel, to pets and home, Swinton is one of the largest names in the insurance industry, serving more than one million customers across the UK. 

Who are the underwriters for Swinton home insurance?

Home insurance policies with Swinton are underwritten by a large panel of well-known insurers including Ageas, Allianz, Aviva, Axa, Broker Direct and Covea.

Types of home insurance available with Swinton

What types of home insurance does Swinton insurance provide?

Swinton offers three types of home insurance:

  • Buildings insurance
  • Contents insurance
  • Combined buildings and contents insurance

These insurance types are available across three levels of cover: Essentials, Classic, and Premier.

Each level of cover has different pay-out limits and provides cover for different things.

Below is the maximum sum insured limits for buildings, contents and combined buildings and contents across these three categories.

PolicyPolicy TypeBuildings maximum sum insuredContents maximum sum insured
Swinton EssentialsBuildings£500,000 to Unlimited£500,000 to Unlimited
Swinton EssentialsContents£500,000 to Unlimited£50,000 to £150,000
Swinton ClassicBuildings£500,000 to Unlimited£500,000 to Unlimited
Swinton ClassicContents£500,000 to Unlimited£50,000 to £150,000
Swinton PremierBuildings£500,000 to Unlimited£500,000 to Unlimited
Swinton PremierContents£500,000 to Unlimited£50,000 to £150,000

What does Swinton home insurance cover as standard?

The following key benefits are included with Swinton’s entry-level tier of home insurance (Essentials) as standard: –

  • New for old contents cover (excludes household linen and clothing).
  • Home entertainment equipment: non-portable items are covered against accidental damage.
  • Underground pipes and cables: covered against accidental damage.
  • Replacement locks: Up to £500 if your keys to external doors and windows are lost or stolen.
  • Freezer contents: Covered up to the value of £250.
  • Alternative accommodation: If your home is unsafe to live in following an insured claim (up to £10,000 with contents cover. Up to £30,000 with buildings cover).
  • 12-month guarantee on work carried out by insurer-approved contractors.

The table below compares what is and isn’t included for each level of cover with a combined buildings and contents policy.

Key BenefitsEssentialsClassicPremier
Alternative Accommodation cover (Buildings)Up to £30,000Up to £3,000Up to £75,000
Alternative Accommodation cover (Contents)Up to £10,000Up to £10,000Up to £20,000
Lost or stolen keys£500YesYes
Freezer contents£250YesYes
Theft from outbuildingsN/A£2,500£2,500
£2,500 cover for downloaded audio/visual filesN/AYesYes
Office equipment cover in the homeN/A£5,000£10,000
Garden coverN/A£1,000£1,000
£5,000 student coverN/AN/AYes
Matching sets coverN/AN/AYes
£100,000 legal protectionOptionalOptionalYes
Accidental damageOptionalOptionalOptional
Home EmergencyOptionalOptionalOptional
Personal possessions (provides cover for your valuables and gadgets wherever you are in the world)OptionalOptionalOptional
*Maximum limits shown. Other features, benefits and limitations exist.

Optional extras

To ensure you’re getting the right level of cover to suit your needs, in addition to its three policy types, Swinton also offers a range of optional extras which you can add to your policy.

Accidental damage cover

Provides cover for one-off accidents that unintentionally cause damage to your property or its contents.

Provides protection from the costs incurred with being sued or making a claim against someone else.

Personal possessions cover

Provides cover for the items that you take with you outside the home, such as your keys, laptop and mobile phone.

Home emergency cover

Includes 24-hour access to tradesmen on Swinton’s panel, who will come out and repair sudden home emergencies, such as your boiler breaking down or a burst pipe.

Excess and no-claims discount

Excess amounts for claims with Swinton apply as follows: –

Claim TypeExcess amount
Standard claims£100
Escaped water claims£250
Subsidence claims£1,000
Personal possessions claims£100
Keys claims£100

No-claims discount

Swinton does not mention whether it offers a no claims bonus on any of its home insurance policies.

Defaqto rating

Swinton has been awarded a 5-star rating for its Premier Buildings and Contents home insurance policies.

Compare home insurance deals

We find deals from all the top providers and help you switch.