Home insurance
Baptist Home Insurance offers comprehensive protection for your home and possessions and can include specialist cover for church officials.
Home insurance from Baptist Insurance
Our home insurance policy can be adapted to suit the needs of church officials in their work on behalf of the church, or the general needs of your congregation and community.
Baptist giving
What sets us apart is that all available profits from Baptist Insurance are reinvested back into the Baptist community. By taking out home insurance with us, you’re helping us to do more for communities in need.
Home insurance features
- Buildings insurance with an automatic limit of £750,000
- Contents insurance with an automatic limit of £75,000
- Home emergency cover and legal advice as standard
- Automatic 20% increase in contents sum insured for celebrations such as weddings and Christmas.
As with all home insurance policies, terms and conditions apply. We may not be able to quote in all circumstances. If you think you may need a different sum insured to that which we offer as standard, please mention this when you call us on 0345 070 2223.
Renewals and auto-renewal
We will send you a renewal pack within 21 days of your renewal date. It will have details of your renewal premium, any changes to the policy wording and cover, and a reminder of what you have told us, so you can update us if anything has changed.
- If you pay by Direct Debit, your policy will automatically renew at the end of the policy term, giving you the peace of mind of continued cover. When this happens, your monthly payments will continue according to a revised payment schedule reflecting your renewal premium. You can opt out of auto-renewal at any time by contacting us on 0345 070 2223 or by emailing us at enquiries@baptist-ins.com. If you opt out, you will need to contact us before your renewal date if you wish to renew your policy; otherwise, your cover will cease when your existing policy expires, leaving you with no insurance.
- If you pay by any other means, please note, the policy will not automatically renew. You will need to contact us if you wish to renew your cover.
Please note that in rare instances, due to a change in risk or circumstances, we may be unable to offer renewal, in which case we will notify you.
Please note - calls to 03 numbers are typically charged at no more than the local rate.
Get a quote
Experiencing financial difficulty?
Frequently asked questions
Yes, there are. These are provided by DAS Legal Expenses Insurance Company Ltd and include confidential legal advice, tax advice, as well as health and medical information.
Visit the Association of British Insurers website, and this will ask you some questions to determine your sums insured for both your contents and for rebuilding your home.
Yes, you can extend your policy to cover personal belongings, valuables, and money away from the home.
Yes, there is. This is included in your policy and extends cover for 30 days before and after, and your sum insured is automatically increased by 20% for that period.
You don’t have to worry, because your policy will provide cover for the reasonable cost of alternative accommodation and storage of your contents.
Flood RE is a joint industry/government-sponsored scheme to enable flood cover to be affordable for those households at the highest risk of flooding.
Home Emergency Cover gives you access to our rapid response team of approved contractors ready to repair damage to your home in an emergency. Find out more about Home emergency cover.
Apart from clothing and household linen, Baptist home insurance policies provide new for old cover. That means we replace other insured items as new.
Documents
Home insurance articles
Withdrawal of BT Redcare alarm signalling products – an insurer view
How are you affected by BT's decision?
Shed security
The contents of your sheds and other outbuildings might add up to more than you think. Make sure you keep them secure.
Accidental damage cover
Accidents can happen at any time, so it’s a good idea to ensure you have the right cover to suit your needs.
A guide to church scaffolding
The presence of scaffolding on any building can seriously compromise security, the following requirements are therefore important to acknowledge.
What is home emergency cover?
Home emergency cover is included in Baptist home insurance policies and gives 24-hour access to rapid-response contractors.
A guide to unoccupied buildings
Taking a proactive approach to managing unoccupied churches can help preserve these buildings for future use.
Providing warm spaces
In response to the fuel crisis, many churches from all faiths are opening their buildings to provide a warm space to people experiencing fuel poverty.
Electric bikes
Risks associated with electric bikes and how to manage them.
Personal safety
Working alone can present new risks and in some situations, extra caution is required to remain safe.
Secure bicycle storage
Bicycles can be easy targets for thieves. Baptist home contents cover automatically includes bicycles as long as you have taken some precautions.
Updates to your Cover
Temporary accommodation for refugee guests extending to all refugees April 2022
Solar panels (Photovoltaic systems)
Solar photovoltaic (PV) systems are often known as solar panels. Though there are few risks, our guidance highlights some considerations to make before installation.