House Owners & Householders Insurance
Secure your home, your sanctuary. Protects the structure of your private dwelling and its contents against loss or damage from fire, allied perils, and theft.
Comprehensive Home Insurance You Can Trust
Your home is one of your most valuable investments — protect it with confidence. Libertas House Owners and Householders Insurance provides comprehensive cover for your property, belongings and personal possessions against unexpected risks such as fire, theft and natural disasters. Whether you own your home or rent, our flexible solutions ensure peace of mind for you and your family.
Key Benefits
Flexible Cover
Options for both homeowners and tenants, structured around what you actually need.
Multi-Risk Protection
Fire, theft and weather damage covered under a single policy.
Affordable Premiums
Pricing tailored to your property value and chosen cover level.
Reliable Claims
A dedicated claims team and our 14-day settlement guarantee.
Two Types of Cover
House Owners
- Walls, roof and permanent fixtures
- Garages, outbuildings and boundary walls
- Swimming pools, driveways and fitted installations
Householders
- Furniture and appliances
- Electronics and household goods
- Clothing and personal items
- Valuables (subject to declaration)
What's Covered
Optional Extensions
Enhance your policy with additional protection.
Is This Right for You?
Frequently Asked
Not necessarily. If you own your home, building cover protects the structure. If you rent, contents cover protects your belongings. Homeowners wanting complete protection usually take both.
Yes, subject to limits and declaration. High-value items should be listed individually — our all-risk extension covers them both inside and outside the home.
The alternative accommodation extension covers the cost of temporary accommodation while your home is repaired or rebuilt.
Ready to get protected?
Get a personalised quote in minutes — no obligation.