Sainsbury's Bank Home Insurance

Sainsbury's Finance provides a range of finance products including car, home, life and pet insurance, plus credit cards, travel services, savings and loans.

Sainsbury's Home Insurance - 12 for 9 on two levels of cover, Sainsbury's Home Insurance and Sainsbury's Premier Cover Home Insurance. Offer ends 4th June 2012 Up to 15% off for Sainsbury's shoppers with a Nectar Card - at least 10% of Sainsbury's shoppers with a Nectar Card will achieve the maximum discount.

• 15% online discount
• Award winning service
• Unlimited buildings cover
• Up to 30% No Claims Discount (NCD)

About Home Insurance

Home insurance is generally divided into two categories, Building Insurance, which covers any damage sustained by the structural make up of the property itself, and Home Contents Insurance, which provides cover for most main household items. It is typically a requirement to apply for Building Insurance if your property is being used as collateral for a mortgage or personal loan.

Contents Insurance provides cover for the majority of household items such as white goods (fridges, freezers, washing machines etc) and desirable electronic goods such as widescreen TVs, DVD players, audio equipment and sound systems as well as computer equipment. Recently, insurers have extended contents insurance policies to cover less traditional items such as musical instruments and amplifiers, and any audio files that have been lost, so music that you have paid for online can be retrieved under the right Contents Insurance plan. Some insurers offer Home Contents insurance plans targeted at specific groups such as students living in rented accommodation, as the Building Insurance should be covered by the owner of the property.

With both types of Home Insurance, cover is usually provided against damage caused in the event of a fire, damage caused by adverse weather, including lightning, strong winds and flooding, leaking water pipes, landslips, theft and vandalism. Most insurers will offer customers the opportunity to combine both Buildings and Contents insurance under a single all-encompassing plan, which usually allows customers to qualify for a discount off of the combined price.