Buildings & Contents Insurance

Our combined Buildings & Contents Insurance covers everything in your home, from the physical structure and fittings to all of your possessions inside it.

Together Mutual Building & Contents Insurance

Choose the level of cover that's right for you:

  Premier  Premier
Buildings £1,000,000 Unlimited
Contents £75,000 £150,000
Excess £100 No Excess
Fire, smoke, riot, malicious damage, collision, flood, falling trees and theft Covered  Covered 
Escape of water or oil Covered  Covered 
Subsidence Covered  Covered 
Home Emergency Cover Covered  Covered 
Domestic Legal & Identity Theft Protection Optional Covered 
Annual European Travel Cover Optional Covered 
Extended Accidental Damage Cover Optional Covered 
Trace & Access Cover £5,000 £7,500
Freezer Contents £1,000 £1,000
Owner's Liability £5,000,000 £5,000,000
Business Equipment £3,000 £5,000
Rent/Accommodation Cover £50,000 £50,000

Information in this table relates to the products available when buying directly from Visitors from comparison sites should refer to the product information provided on those sites as they will differ from the products we offer direct. Existing policyholders should refer to the policy documentation received at purchase or renewal.

If you have a Together home insurance policy with travel insurance included (a Premier Plus policy) or have opted to add travel insurance cover to your home insurance policy, AND renewed or took a policy out after 17th March 2020, please see our latest update regarding your travel cover.

Please click here for our latest update regarding the impact of Brexit on your travel insurance.

About Together combined Buildings & Contents Insurance

What’s covered?

Our Buildings Insurance includes: 

  • The cost of alternative accommodation should your home become uninhabitable (up to policy limits).
  • Up to £50 towards switching costs should your current insurance provider charge you for this.
  • 24-hour assistance from experienced claims handlers in UK call centres.
  • Interest-free direct debits.
  • Costs of surveyors and architects following an insured event.
  • Protection for fixtures and fittings to items such as kitchen units following an insured event.

Our Contents Insurance includes: 

  • Home computer, home office and home entertainment equipment.
  • Furniture, furnishings and household goods.
  • Valuables and clothing.
  • Accidental breakage of mirrors and glass.
  • Replacing and fixing door locks after keys have been stolen.
  • Contents left in the garden.
  • Shrubs, plants and trees.
  • Personal belongings in the home, including those of visitors (£500 limit for visitors).
  • Working out how much it would cost to replace or repair your belongings can be complicated and time-consuming. To make it simpler for you and to make sure you’re fully covered, we offer up to £75,000 on our Premier Contents Cover.

Personal Possessions Cover (optional cover)

Personal Possessions Cover is optional and extends the cover provided by Together Contents Insurance and Combined Buildings and Contents Insurance policies. This Cover insures your items in and away from the home and is particularly useful for laptops, mobile phones, camera equipment, camping and sports equipment, money and jewellery.

We offer three sections of Personal Possessions Cover; Unspecified, Specified and Pedal Cycle cover.

  • Unspecified Personal Possessions Cover gives you cover with set policy limits, without the need for listing individual items up to policy limits
  • Specified Personal Possessions Cover would cover a specific item (or items) that cannot be included in the Unspecified Personal Possessions option (such as a mobile phone valued at more than £500). An individual item which is above the single item limit for Unspecified Personal Possessions cover would need to be listed as a Specified Item
  • Pedal Cycle Cover provides protection for up to 3 specified bikes (worth up to £1,000 each) away from the home

Why get Together?

  • As a mutual company, we’re owned by our policyholders. If you have a policy with us, you are one of the people to whom our company belongs, and we have no shareholders expecting a slice of the profits.
  • You can spread the cost of your cover with interest-free instalments

We're easy to deal with

  • There are no forms to complete if you make a claim – we can take all the details over the phone.

We're always available

  • Our UK-based claims helpline is open 24 hours a day, 7 days a week.
  • Our Home Insurance includes a free, 24-hour legal helpline.

Insurance Product Information Documents (IPID)

To find out more about our Premier and Premier Plus Policies, including what is and what isn't covered and information about payments, please read below:

Together Mutual Premier Home Insurance Product Information Document (IPID)

Together Mutual Premier Plus Home Insurance Product Information Document (IPID)


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Frequently Asked Questions

Find out more about cover levels, claims and how to reduce your premiums.

Where We've Come From

We’ve got over 100 years of history behind us as a mutual company.