Alternative Accommodation Insurance

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What is Alternative Accommodation Insurance?

If unfortunately you can no longer live in your home, for example after a flood, or the plumbing in your entire house, has gone awry. You could get temporarily re-homed while your house is being repaired–or while it’s in a state where we think you can no longer live there.

How do I know I have alternative accommodation insurance?

It’s important to check how much you’re covered for alternative accommodation in your home insurance policy. Cover can vary depending on whether you have buildings insurance, contents insurance or both.

If you have a buildings policy with us your alternative accommodation cover is up to £75,000.

If you have a contents policy with us; you would be covered under alternative accommodation for up to £10,000. This cover aims to insure the cost of putting your belongings into storage. It would also cover any shortfall in re-homing you and your family but your building insurer (or landlord) should look to cover the main cost of this.

If you have a combined home insurance policy, so both buildings and contents insurance with esure, you could be covered up to £75,000 for alternative accommodation, plus any money towards your belongings going into storage.


I have a large family, how does alternative accommodation insurance help me?

If we think your house is no longer habitable we’ll aim to put you up in a reasonably similar property. That way you shouldn’t have to worry about cramming your family into two bedrooms, if you’re used to a four bedroom house.

I have pets- what happens to them if I need alternative accommodation?

Our alternative accommodation insurance aims to cover your pets too. So their kennel and cattery fees could also be covered, if you can’t take them with you to your temporary new home.


What types of events could make my home uninhabitable?

Believe it or not there can be quite a few situations that might leave you looking for temporary accommodation, while things in your home get sorted.

Of course the amount of cover you get for these situations differs between insurance companies, and is also dependent on the level and type of policy you have.

Below is a summary of the events we aim to cover, should you need alternative accommodation.

  • Flood
  • Fire, and smoke damage
  • Any severe damage caused by criminals entering your home
  • Subsidence
  • Severe structural damage that may have been caused by a storm
  • Burst water pipes, and severe leaks

For a full list of the types of events where you could make an alternative accommodation claim please read our policy booklet.

I may only need alternative accommodation for a couple of weeks do I really need to move into another house or flat?

  • In some cases, especially if you live on your own, moving into a new house or flat might not be the most practical solution–especially if you only need alternative accommodation for a couple of days or even weeks.
  • In these situations we may consider putting you up in a bed and breakfast, or hotel. But this is done on a case by case basis and where you do stay would have to be chosen or accepted by esure.
  • Please note if you choose to stay anywhere without informing esure, you won’t be able to claim back the money you spent on your accommodation. All costs have to be agreed and accepted by us before you book to stay anywhere.

What else is included when I buy home insurance from esure?

Our buildings insurance also includes:

  • An unlimited amount to rebuild your home
  • Cover for locks and keys, up to £1,000
  • Property owner’s liability, up to £2 million as standard


Our contents insurance also includes:

  • New for old cover
  • Garden cover, up to £2000

Other Optional Extras you can get with your Home Insurance

As well as Home Emergency cover we have other great Optional Extras for your Home Insurance that can help enhance your cover:

Personal Possessions
Personal Possessions Cover

With Personal possessions cover, your belongings will be covered while they are away from your home.

For a small fee you can get cover for accidental loss, damage and theft of your personal possessions while they are temporarily removed from your home anywhere in the United Kingdom and for up to 60 consecutive days anywhere in the rest of the world.

Read more

Annual Travel
Annual Travel Insurance

With our annual travel insurance you get cover for an unlimited number of worldwide trips per year, subject to a maximum duration of 45 days per trip.

When you spend a little more, you can add Annual Travel Insurance (Home optional extra) to provide two adults and up to six of their children (including foster children, adopted children and grandchildren), with worldwide cover for unlimited trips subject to a maximum duration of 45 days per trip.

Read more

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