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Co-op
Having provided insurance since 1867, the Co-op is a truly established name in the world of home insurance services.
Who underwrites The Co-op home insurance?
The Co-op’s home insurance policies are underwritten by Liverpool Victoria Insurance Company (LV=).
Types of home insurance available with The Co-op
The Co-op offers three types of home insurance:
- Buildings insurance
- Contents insurance
- Combined buildings and contents insurance
These insurance types are available across two tiers: Everyday Home Cover and Home Cover Extra.
The table below highlights what each type of The Co-op’s policies cover.
| Policy | Policy Type | Buildings maximum sum insured | Contents maximum sum insured |
| The Co-Op Everyday Home Cover | Buildings | Unlimited for homes worth up to £1 million | N/A |
| The Co-Op Everyday Home Cover | Contents | N/A | Choice of £60,000 or £80,000 |
| The Co-Op Home Extra | Buildings | Unlimited for homes worth up to £1 million | N/A |
| The Co-Op Home Extra | Contents | N/A | Choice of £60,000 or £80,000 |
What does The Co-op buildings home insurance offer as standard?
Whether you opt for The Co-op’s Everyday Home Cover or their Home Extra cover will depend on your individual needs.
The table below is a side-by-side comparison of what The Co-op’s buildings policies have to offer.
| Cover | The Co-Op Everyday Home Cover (buildings) | The Co-Op Home Extra (buildings) |
| Rebuilding of your home because of fire, storm, flood | Up to £1 million | Up to £1 million |
| Finding and accessing water and oil leaks | Not covered | Up to £5,000 |
| Loss or theft of keys | £500 | *Included |
| Loss of rent and alternative accommodation | Up to £25,000 | Up to £50,000 |
| Accidental Damage Cover | Available as an optional extra | Included |
| Home Emergency Cover | Available as an optional extra | Included |
What does The Co-op contents home insurance offer as standard?
The table below is a side-by-side comparison of what The Co-op’s contents policies have to offer.
| Cover | The Co-Op Everyday Home Cover (contents) | The Co-Op Home Extra (contents) |
| Cover for contents | Choose between £60,000 and £80,000 | Choose between £60,000 and £80,000 |
| Alternative accommodation | Up to £15,000 | Up to £25,000 |
| Freezer food | Up to £500 | Up to £1,000 |
| Theft of contents from garages or outbuildings | Up to £1,000 | Covered |
| Contents in garden | Not covered | Up to £2,500 |
| Plants in garden | Not covered | Up to £2,500 |
Optional extras
Like most home insurance providers, the Co-op also offers a range of optional extras which can be added to your home insurance cover. These include:-
Personal possessions cover
Allows you to insure your belongings outside of the home.
Home assistance cover
Pays up to £500 (including VAT) for any emergency repairs that are needed.
Additional contents accidental damage cover
Will provide protection for accidental damage to your personal belongings, such as spilling wine on your sofa or carpet.
Additional buildings accidental damage cover
Offers an extra layer of cover for accidents on your home, such as drilling through a pipe will carrying out DIY.
Excess and no-claims discount
Excess amounts for claims with the Co-op apply as follows: –
| Claim | Excess amount |
| Standard claims | £50 |
| Escape of water claims | £250 |
| Subsidence claims | £1,000 |
| Personal possessions claims | £50 |
| Keys | £50 |
No-claims discount
The Co-op offers a guaranteed 30% no-claims discount (NCD) if no claim has been made within the last 12 months.
Defaqto rating
The Co-op’s Everyday Home Cover has been given a 3-star rating by Defaqto, while their Home Extra cover is awarded 5-stars.