Take a look at some of the features of our product
You Choose Home Insurance is our concept in home insurance.
With You Choose Home Insurance you are more in control of how much cover you take and, consequently, how much you pay for it.
For too long home insurance has been sold as a ‘standard package', not designed to take into account people's differing needs and lifestyles. For example, many home insurance policies include cover for gardens – which is all well and good if you live in a house with a garden. But what if you live in an flat? Why should you pay for cover for something you don't even have?
That's where You Choose Home Insurance comes in.
1. Core Cover
With You Choose Home Insurance, the first step is to decide on the type of Core Cover you need.
There's a choice of three cover options:
2. Extra Cover Options
Once you've decided on the Core Cover, add your choice of Extra Cover Options. There are a number of these, depending on your needs. You may find that not all of the Extra Cover Options will suit your circumstances. You can design your policy around you and your family's lifestyle.
The Extra Cover options are:
Note: Exclusions and limitations will apply to all Extra Cover Options you take. Get full details about what's covered and what's not, including any limits that apply, by visiting your local branch.
You've got 3 options open to you:
Note: Core Contents cover does not cover items that are included in the Extra Cover Options for example, jewellery (personal items) or televisions (technology & entertainment).
This Core option combines all elements of Core Buildings Only and Core Contents Only.
There's more cover than you might expect
Depending on the Core Cover Option you choose, these benefits are included at no extra cost:
Note: there are limitations and exclusions with all home insurance policies. Get full details about what's covered and what's not, including any limits that apply, by visiting your local branch.
The Extra Cover Options are:
Technology and entertainment items in your home such as televisions, DVD players, satellite and digital receivers, music players, laptops, desktop computers, mobile phones, CDs, DVDs, game consoles and much more.
Items such as jewellery, watches, medals, money, credit cards, sports equipment, pedal cycles, camping equipment and wheelchairs/electric scooters for the infirm or disabled.
The standard level of cover offered by this option is £500 and this can be increased up to £25,000 to reflect your needs.
Items such as trees, shrubs, plants, hedges, lawns, gardening equipment and garden furniture.
Accidental damage to either your building, or its contents, or both.
Ideal for families with young children, DIY enthusiasts or anyone looking for extra peace of mind.
The cost of emergencies such as failure of the electricity supply, repairs to the plumbing or drainage system or the removal of vermin. It also helps with the cost of accommodation if you're unable to live in your home.
The costs of taking or defending legal action for
Up to £50,000 of cover as standard.
The maximum cover available across Personal Items, Technology & Entertainment and Garden options is £30,000.
Note: exclusions and limitations will apply to all Extra Cover Options you take. Get full details about what's covered and what's not, including any limits that apply, by visiting your local branch.
Anyone with a home, whether owned or rented, can apply for You Choose Home Insurance. And remember, you don't have to have a mortgage with us to benefit from this cover.
See if you could benefit from lower premiums by switching your home insurance to us today.
How to Get a Quote and Apply
Getting a no-obligation quote and applying is easy:
As an intermediary, we act on your behalf in arranging your insurance. Your Home Insurance will be administered and underwritten by Royal & Sun Alliance Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Barnsley Building Society and the Barnsley are trading names of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in the Financial Services Register and its registration number is 106085. Principal Office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ
References to 'YBS Group' or 'Yorkshire Group' refer to Yorkshire Building Society, the trading names under which it operates (Barnsley Building Society, the Barnsley, Chelsea Building Society, the Chelsea, Norwich & Peterborough Building Society, N&P and Egg) and its subsidiary companies.
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