Save 20% online**

A grey armchair

*10% of customers paid this or less

*10% of new customers paid £103 or less between 1st Mar – 30th Sept 17 for our combined buildings and contents cover. Actual premium depends on individual circumstances, payment method and cover chosen.

**Available on combined building and contents cover only, compared to our standard telephony prices, applies to new quotes only via; The online discount is automatically applied to your price and excludes optional extras, minimum premiums apply.

Our home insurance is Defaqto 5 Star rated and includes:

  • Fix the price of your home insurance until 2019. It'll also save you time shopping around next year. 
  • Accidental damage cover for laptops, computers, audio equipment and TV's included as standard. 
  • 24/7 access to our market-leading^^ claims service that's available 365 days a year.


For full cover details please read our policy documents.

A cream chair with a grey throw
A grey armchair


Home insurance

5 Star rated cover and benefits as awarded by industry experts Defaqto.

Find out more about our levels of cover

Buildings and contents cover  everything you need rolled into one policy. Find out more.

Buildings cover – protects the structure of your home, plus your fixtures and fittings, garden walls, gates, drives and patios. Find out more.

Contents cover – up to £50,000 contents cover as standard. Find out more.

A welcome door mat by an open door next to a pair of red wellies
Five star defaqto rated

5 Star rated home cover awarded by industry experts Defaqto

A grey armchair

Exclusive existing customer discount***

Enjoy extra discounts just for being an existing customer***

Already a customer? Get your quote online and then give us a call so that we can calculate your discount before you buy.

Your news and guides

From industry updates to handy hints, our news and guides section keeps you in the loop.

Protect your home against stormy weather

Severe or stormy weather can cause all sorts of trouble for your home, and can sometimes result in serious damage to your property and possessions. Often damage is unavoidable, but there are precautions you can take to minimise the risks from severe weather. We’ve put together some useful hints and tips for what to do when faced with storms or flooding.

A dark sky above some houses

Frequently asked questions about our home insurance

Can I switch to Rias before my renewal date?

Yes, you can even claim back any cancellation fees you're charged by your current insurance provider, up to the value of £75. Terms and conditions apply.

How do I make amendments to my home policy?

Most amendments to your policy can be made by logging into your online account. If you don't have an account or want to find out more please click here. Prefer to speak to us? Give us a call on 03456501333. 

Will I be tied-in for the two years I have a fixed price?

No you have a pricing commitment from us for two years, but you're not tied to us. You'll still be invited to renew your policy every year and can choose to opt out. You can also cancel your policy at any other time, although you'll be charged an administration fee.

What if I need to make a change to my two-year fixed price insurance policy?

If you make a change to your policy during the first year, or if Insurance Premium Tax changes, then the price may be adjusted to reflect this either at the time of change or at next renewal. If the change is made during the first year, the new annual price will remain fixed at your next renewal, unless further changes are made. 

^Read the terms and conditions

†The offer fixes the price of your home insurance cover (excluding any optional cover you choose, such as personal legal protection), for two consecutive periods of annual insurance. You can only take advantage of this offer if you have held continuous home insurance and been claim free for 3 or more years. The offer will end if you make a claim against your policy. If Insurance Premium Tax changes during the period of the offer or you make any changes to the policy, the price may be adjusted to reflect this, either at the time of the change or at next renewal. The new annual price will remain fixed at next renewal. All policies and any changes are subject to underwriting criteria. We reserve the right to withdraw the offer at any time. Offer not available via price comparison websites.

^^Home claims service, provided by Ageas Insurance Limited, has been awarded ServiceMark accreditation from the Institute of Customer Service by measuring up to the Institute’s customer service standards and demonstrating on-going commitment to customer service excellence.

***To be eligible for this discount you need to hold an existing car or home insurance policy with Rias or be a resident at the address that holds an existing car or home insurance policy with Rias. The discount is for one year with the exception of eligible 2 year fixed policies where the discount will be honoured for two years. Only applies to new home insurance quotes originating from or the Rias call centre that are purchased via the Rias call centre. The level of discount may vary from time to time and will be calculated at the time you call the Rias call centre. Discount only available at time of purchase. Excludes any additional optional cover such as Personal Legal Protection. The offer won’t apply to any changes made to the policy to which the discount has been applied during the year. Rias reserves the right to withdraw this offer or amend these terms at any time but will honour the offer on any eligible policies bought as a result of quotes obtained before the offer withdrawal. 

^10% of new car insurance customers paid £171 or less between 1st Mar – 30th Sept 2017. Actual premium depends on individual circumstances, payment method and cover chosen.