Review: Debenhams Home Insurance

David Woodfield By David Woodfield

In Summary

Debenhams has one standard home insurance policy, underwritten by a panel of insurers, which can be customised with further cover options, subject to additional charges. Its cover has received positive customer feedback, although limited – perhaps due to low awareness that Debenhams offers home insurance.

You can get a quote from the Debenhams Home insurance site.

Background to Debenhams home insurance

Department store group Debenhams is best known for stocking fashion and homeware items, however it also offers a range of financial services through its Debenhams Personal Finance arm – including home, car, pet, travel, and even wedding insurance.

Overview of home insurance covered provided by Debenhams

Debenhams’ motto is ‘protect your home from the unexpected’ and its standard home insurance policy aims to do this in a number of ways.

All policyholders can get up to £75,000 contents cover, including accidental damage to audiovisual equipment, and buildings cover up to £1 million, if you select combined buildings and contents insurance. Both types of insurance are also available separately.

Other standard features of combined buildings and contents insurance include garden furniture and equipment cover, and replacement of freezer food should something happen to either the freezer or its electrical supply.

You can check your price at the Debenhams Home insurance site.

In addition, policyholders can increase your cover with a number of optional extras – although it is worth noting that this will cause the premium price to rise. Among the extra benefits are:

  • Legal expenses – up to £100,000 cover, debt advice, home security advice and trauma counselling
  • Home appliance cover – protection in the event of breakdown/failure of appliances such as fridges, freezers, microwaves, ovens and washing machines
  • Key care cover – insurance for lost or stolen car and house keys up to £500 per claim, including repairing and replacing damaged locks. Maximum 3 claims per year
  • Home emergency cover – 24/7 emergency repair callout, £500 emergency parts and labour, £250 overnight accommodation costs per home emergency

How much does Debenhams home insurance cost?

As with all insurance policies, the price of your premium will depend on your individual circumstances. For example, the policy cost will differ if you have selected combined buildings and contents insurance than if you purchase separate products, and the location and age of your house, the contents within it and any previous claims could impact the price quoted to you.

It is also worth noting that choosing optional extras could push the price up; however, you may feel this is the best option, to increase your level of protection in the event of a future claim.

To help policyholders spread the cost of home insurance, Debenhams offers customers the opportunity to pay by monthly direct debit, as an alternative to a one-off annual fee (although they charge an administration fee for doing so).

The best way to get an accurate price is to get a quote from the Debenhams site.

What do Debenhams home insurance customers say?

Unfortunately there is little customer feedback available online at present – financial website Fair Investment Company comments that this could be due to limited awareness among consumers that Debenhams offers insurance policies. Bought By Many could only find a single review (at money.co.uk) rating Debenhams 4/5 stars.

What do the experts say?

Debenhams has a number of home insurance products underwritten by different providers. Six of them have been rated 5 Stars by independent financial researcher Defaqto and the other five have been rated 3 Stars.

A 5 Star policy is “an excellent product with a comprehensive range of features and benefits” and a 3 Star policy indicates "a standard product providing an average level of features and benefits".

Defaqto Star ratings indicate where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

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