Monzo Home Insurance
Buildings and contents insurance together as one. Fully flexible. For homeowners.
Monzo current account required and must be open for the whole insured period. UK residents aged 18+. Ts&Cs and exclusions apply.
Cover you hold the key to
Get covered fast
Go from quote to covered in just 6 questions. We only ask what we need to know and fill in what we already know about you for the rest.
Personalise your policy
Up to £1 million buildings cover and the option to choose how much your contents are covered for, including any high-value items.
Make changes or cancel for free
Add high-value items, change how much you’re covered for, or increase your excess at any time with no fees. Even cancel anytime for free.
Protect your place
From the bricks in the walls to the tiles in your bathroom, the ceilings, floors, cupboards, fences and even your garden shed.
Your buildings insurance covers the cost of repairing or replacing any part of your home that’s damaged by things like fire, leaks or extreme weather. Exclusions apply and can be found in the policy documents.
And the stuff you love
Think of contents as the stuff that would fall if you flipped your house upside down. Your sofa, the TV, rugs, your favourite coat, the coffee maker, or even the fridge.
Your contents insurance is the maximum amount you're covered for if your belongings are stolen or damaged.
We'll walk you through it
Need a hand figuring it all out? We'll explain what everything means throughout to help you choose the cover that's right for you.
And if you need to claim you can do it in the app at any time - we'll explain what to expect at every stage. Rather to speak to someone? Just pick up the phone.
Only need contents insurance?
Already have buildings insurance? Not a homeowner?
If you only need cover for your prized possessions, we can still help you protect your things. Check out our contents insurance cover and get a quote in a few taps.
At a glance
Take a look at the policy documents and Insurance Product Information Document (IPID) to see everything that's covered, the limits and any exclusions. Excess applies. Monzo Home Insurance is underwritten by Chubb.
Damage to your home
If floods, fires, storms, subsidence or even natural disasters damage your home - you're covered up to £1,000,000.
Cover for your things
If your belongings are damaged, or someone breaks in and steals them (unless it’s from unsecured shared areas) - you’re covered up to £100,000.
Out of home cover
If things you have with you while you’re out in the British Isles get damaged or stolen (not including cash) - you’re covered up to £1,000.
Damage moving home
If something breaks or gets stolen while you're moving home, even if it’s in storage (for up to 72 hours) - you’re covered up to £10,000.
More protection
Keys stuck in locks, thawed food if your freezer breaks, personal liability - all sorts of mishaps are covered. Limits apply.
What's not covered
Wear and tear, work stuff, damage from alterations or maintenance. Check out the policy documents for the full list.
Optional add-ons
You'll have to pay extra for these.
Accidental damage
Get covered if your dog knocks over the TV or a football goes flying through your window.
High-value items
Add cover for special items worth over £1,000. Like jewellery, watches, bikes or gadgets.
Home emergency
24/7 help for emergency situations like the central heating going cold, a pipe bursting or your toilet overflowing.
Not a Monzo customer yet?
To get started with Monzo Home Insurance, all you need is our free Monzo current account, which is packed with helpful ways to manage your money. You must keep your Monzo current account open for the whole time you have Monzo Contents Insurance.
It only takes 10 minutes to apply, straight from the app.
Got questions?
Do I need a Monzo current account to have Monzo Home Insurance?
Yes - you need to have an open Monzo current account to have Monzo Home Insurance. You must keep your Monzo current account open for the whole time you have Monzo Home Insurance.
How do I make a claim?
If you need to make a claim, you can do so directly from the Monzo app. Go to the insurance section in your app, tap on your active policy and tap 'Make a claim'. If you'd prefer to speak to someone, you can call 0345 2661980.
Who is Chubb?
We have worked with an insurer called Chubb to create our Monzo Home Insurance product. Chubb are underwriting the product, this means they are the ones who actually provide the cover, work out how much it costs you and are responsible for dealing with any claims you make.