Your new home is where life happens – so it’s worth protecting, right?

After months of solicitors and surveys, you’ve finally moved into your dream house and life has well and truly resumed. From that first big dinner party to Sunday movie nights on the sofa and all the other moments that bring you joy, there’s so much to look forward to in your new pad.

But don’t get too comfortable. If you haven’t got home insurance, it’s worth thinking about what you’re leaving unprotected. Luckily, Monzo – the digital bank with that iconic Hot Coral card – offers a simple way to get your home covered. Monzo Home Insurance is a policy that covers you for damage up to a certain amount – from floods to fires, storms to subsidence – helping to give you peace of mind so you can keep sleeping like a log in those fresh sheets of yours. 

Buildings insurance covers the cost of repairing or replacing anything related to the bricks and mortar – the main structure, garages, outbuildings, fitted kitchens and bathrooms up to £1,000,000.  Cover is for your main home – so not any second properties or places of business – though, it’s totally fine if you do work from that home. 

Contents insurance covers stuff like the sofa, TV, coffee maker and fridge up to £100,000 if they’re stolen or damaged. You know, your prized possessions. Then there’s out-of-home cover for things that are stolen or damaged while you’re out and about in the British Isles up to £1,000 (excluding cash). And because stuff happens, you can also pay extra to add on accidental damage cover, home emergency cover and individual cover for high-value items worth over £1,000.

Though, just to note that excess exclusions and limits apply, and the cost of the cover depends on each individual's circumstance. 

All you need is a free Monzo Current Account (which takes just 10 minutes to apply for, FYI) that needs to be kept open for the whole time you have Monzo Home Insurance. It takes just six questions to get a quote, with Monzo asking only what they need to know and filling in what they already do, with a tap of the app. 

If the worst should happen, you start a claim in the Monzo App, and it will be handled by Chubb – the insurer. Everything sits alongside your usual banking, meaning there’s no juggling between separate accounts or messing around with different logins and passwords, which is music to our ears. But the best bit? You’re not locked into a contract. You can change how much you’re covered for, increase your excess or cancel any time,fee-free.

Now all that’s left to do is decide how to decorate. Hot Coral for the living room, perhaps?

Sort your home insurance and get your building and belongings covered with Monzo 

Monzo Current Account required and must be open for the whole insured period. Underwritten by Chubb. UK residents aged 18+. Ts&Cs and exclusions apply.*