By clicking a retailer link you consent to third-party cookies that track your onward journey. This enables W? to receive an affiliate commission if you make a purchase, which supports our mission to be the UK's consumer champion.
Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
We've partnered with MoneySuperMarket to help you compare a wide range of home insurance options in one place, with added insight from Which?
Get a quote with MoneySuperMarket and we'll highlight Which? Best Buys and Recommended Providers in your results.
This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.
We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.
In this article
The Halifax brand is soon to be scrapped and its insurance policies will move to sister bank Lloyds at an unspecified date.
Halifax has stated that its existing policies will carry on as normal – cover and service won't be affected.
At the time of writing (September 2026), Halifax policies remain on sale. We've separately reviewed Lloyds Bank's policies and customer service.
We've reviewed five of Halifax's home insurance policies. You can buy three levels of cover direct from its website: Bronze, Silver and Gold. There are also two policies – Standard and Ultimate – available only through comparison websites.
We've also surveyed 176 Halifax customers who have recently made a home insurance claim.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
Three of Halifax’s policies earned good scores in our analysis.
71%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed five Halifax policies. Select a policy from our table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | £100,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £50-£1000 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Included | |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £3,000 | |
| Contents - Alternative accommodation | £30,000 | |
| Contents - Accidental damage | Full cover included | |
| Contents - Guests' belongings | £1,000 | |
| Contents - Theft of contents in the open | £2,000 | |
| Contents - Damage to contents in the open | £2,000 | |
| Contents - Theft from outbuilding | £10,000 | |
| Contents - Damage to contents in an outbuilding | £10,000 | |
| Contents - Personal possessions cover single item limit | £3,000 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Use our customer scores to help you choose a great deal at MoneySuperMarket
Compare dealsWhich? earns commission to fund its not-for-profit mission if you buy a product
Dean Sobers, Which? home insurance expert, says:
Halifax’s Gold policy was the highest-scoring policy you can get directly from Halifax. Its buildings score was 75%, placing it 10th out of the 72 policies rated. Its contents cover earned a score of 74% and wasn’t quite in the top 10, but it was in the top fifth of our table.
Despite offering good cover on paper, Halifax’s underwhelming customer survey results and a concerning claims acceptance rate kept us from naming it a Best Buy.
When it came to its cover levels, we were impressed with Halifax’s lack of admin fees for making mid-term adjustments or charges for paying in monthly instalments instead of upfront. Its Gold policy also has one of the lowest excesses for subsidence claims – £100-£500 compared to the industry-standard £1,000.
On the downside, Halifax has a narrower definition of ‘storm’ than most policies – requiring wind speeds of more than 55mph. With other policies, rain, snow or hail can also count.
If you work from home, most policies include some measure of cover for business equipment, with limits ranging from £500 to unlimited. Halifax's Gold policy doesn’t cap the amount it will pay within the overall contents limit (up to £250,000).
The other two policies available direct through Halifax's website are Bronze and Silver.
Its Bronze policy was in the bottom half of our table, with scores of 63% for buildings cover and 64% for contents cover (compared with averages of 71% and 67% respectively).
In contrast to Halifax’s other policies, Bronze comes without accidental damage cover – you can't even pay extra to add it on.
Silver, meanwhile, achieved buildings and contents scores of 74%, putting it in the top half of our table.
The two Halifax policies you'll see if you're shopping around on comparison websites are Standard and Ultimate.
The Standard policy scores around average with 71% for both buildings and contents cover.
Meanwhile, Ultimate was above average for buildings cover with a score of 74%, and in the top five for contents cover with 79%.
We asked Halifax customers who have recently made a claim how they felt about their home insurance.
Halifax received a customer score of 71%, placing it 19th in our table of 21 providers – near the bottom.
It scored 72% when we asked people to rate its claims handling – 19th yet again, out of 22 brands rated. See the list of results here.
When we asked more about the rating customers gave Halifax, one claimant told us 'they were very compassionate', but another flagged that 'the communication wasn't very clear and I had to chase up a lot.'
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers |
Table last updated in September 2026. Next update in September 2027.
'N/A' represents where we have insufficient sample size (less than 40) to generate a star rating.
Halifax sample size: customer score, 176; claims score, 192
To check to see if you're getting a good deal, Halifax's Standard and Ultimate policies are available from the following price comparison websites:
Standard and Ultimate are offered at a discount if some types of intruder alarms are installed in the property.
Want to pay monthly? Good news: Halifax doesn't charge interest for paying monthly rather than annually.
The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide to cheap home insurance.
With a customer score of 71%, Halifax sits in 19th place overall in our satisfaction table, coming just below Churchill and Co-op (which both scored 75%) and slightly ahead of Hastings Direct (69%).
Its standard Silver buildings policy scored 74% – the same as Bank of Scotland, Lloyds Bank, Nationwide and others – and ranks joint fourth in our standard buildings cover table.
As for contents insurance, its standard Silver policy scored 74% and sits in third place among standard policies. Standard policies from the Bank of Scotland and Lloyds Bank also scored 74%.
If you need to make a claim with Halifax home insurance, you can claim online.
You can also call 0345 604 6473 (if your policy starts with HBP) or 0345 300 5178 (if your policy starts with HAP).
Find out more: Is it worth claiming on your home insurance?
Despite some genuinely impressive scores for three of its policies, Halifax’s claims record and customer feedback mean we can’t recommend it.
Find the right policy for your home using the service provided by MoneySuperMarket
Get a quote now