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19 May 2023

Halifax home insurance review

Read Which?'s expert review of Halifax's home insurance. Find out how we rate Halifax's home insurance policy against other providers

Dean SobersSenior researcher & writer

In this article

What does Halifax offer?
Does Halifax offer the best home insurance?
How good are Halifax's home insurance policies?
How did customers rate Halifax's home insurance?
How can you save money on Halifax home insurance?
How can I claim?

What does Halifax offer?

Halifax was originally founded as a building society in 1853. It now offers a wide range of financial products, such as home insurance, mortgages, loans and credit cards.

In January 2009, Halifax joined the Lloyds Banking Group, which also owns Lloyds Bank, Bank of Scotland and Scottish Widows, and its home insurance is underwritten by Lloyds Bank General Insurance Limited.

We've reviewed its Select range of policies. These come in three levels – Bronze, Silver and Gold – as well as two other policies only available on comparison sites: Home Insurance and Home Insurance Ultimate. Lloyds Bank sells identically named Select policies, which received identical scores to Halifax's in our analysis.

Halifax's standard policy (Select Silver) covers subsidence, burst pipes, blockage of sewage pipes, accidental damage, legal protection and key cover as standard. You can add on cover for home emergencies (including boiler cover), personal possessions away from the home, and bicycles.

Find out more: how to find cheap home insurance

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Does Halifax offer the best home insurance?

We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews.

If you're not already a member, join Which? and get full access to these results and all our reviews.

We analyse and rate 21 aspects of buildings cover, 40 areas of contents cover, and 25 features applicable to both (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

How good are Halifax's home insurance policies?

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

How did customers rate Halifax's home insurance?

We've talked to customers who recently made a claim to score insurers on their customer and claims service.

Members can log in to see these scores. If you're not already a member, join Which? and get full access to these results and all our reviews.

How can you save money on Halifax home insurance?

Halifax offers a discount of 10% on its Select Bronze, Select Silver, and Select Gold policies if you buy online. They are also available over the phone.

Halifax's Home and Ultimate policies can be bought from the following price-comparison websites:

Compare The Market
Confused.com
GoCompare
MoneySuperMarket

All policies are available at a discount if buildings and contents cover are taken out together. Home and Ultimate are offered at a discount if some types of alarm or security system are installed in the home.

For other ways to save money on home insurance, see our guide.

Check you're getting a great deal and search for a new home insurance policy using the service provided by Confused.com. Get a quote now

How can I claim?

If you need to make a claim with Halifax home insurance, you can claim online, or call 0345 300 5178 for Home and Ultimate policies or 0345 604 6473 for Select Bronze, Select Silver and Select Gold policies.