Home Insurance

Defaqto 5 Star Rated cover

that's packed with benefits. That's Rias standard.

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Why choose Rias home insurance:

  • You can make a claim 24/7 with our UK-based, award winning** claims service 
  • Accidental damage cover for laptops, tablets, computers and TVs included as standard^^
  • Rias provides home insurance from Ageas, one of the UK's largest home insurers.

 For full cover details please read our policy documents.

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5 Star home insurance as rated by industry experts Defaqto for the thirteenth year running

defaqto home insurance 2011-2024

Don't just take our word for it...

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Find out more about our levels of cover

Buildings and contents cover – everything you need rolled into one policy. Find out more about buildings and contents insurance

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

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

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Register a claim online

It's quick, safe and easy to register a new claim online, with a UK-based claims team who are on hand to help you get things back to normal.

Register a claim Manage a claim
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How we can help you

We’re here to support you as best we can.

If you’re finding things challenging, struggling to keep up with payments, or would like us to communicate with you in a different format, please visit our support page, or chat with us.

Find out how we can help
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Make a claim 24/7

The service was excellent, quick and no hassle.

Mrs B Davison, Billingham

Take your pick from our optional extras

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Personal legal protection from only £22.25 a year

Personal legal protection gives you up to £50,000 of cover to assist with a range of legal matters.
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Home protection from only £27.50 a year

We offer two levels of home protection cover, which give you 24-hour assistance in the event of an emergency in your home.

View our policy documents

Read our policy documents and find the right level of cover for your needs.

Find out more
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Weather Hub

With the increase of extreme weather events in the UK, we're here to help you protect your home from heat, flood, freeze and storm conditions; and offer support if your home is affected.

Visit the weather hub
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Other products we offer

Car insurance

Defaqto Five Star rated cover that's packed with benefits.

Start your quote Find out more
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Other products

Travel Insurance

Get ready for your next adventure with our flexible single or annual multi-trip travel insurance.

Start your quote Find out more

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.

**The claims service is provided by Ageas Insurance Limited, winners of the  'Claims Team of the Year - Digital Transformation' at the Insurance Times Claims Excellence Awards 2022.

^^Key exclusions include damage due to misuse, wear and tear, cleaning, breakdown, scratching and denting; and excludes items such as CDs or records.