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^^
  • Eight out of ten customers stay with us when it’s time to renew†

 
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 tenth year

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

Customers rate us great on Trustpilot

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

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ServiceMark Accredited by the Institute of Customer Service logo 2021 - 2024

Excellent Customer Service

Recognised by the ICS for our excellent level of customer service.
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Make a claim 24/7

The service was excellent, quick and no hassle.

Mrs B Davison, Billingham

View our policy documents

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

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

Your news and guides

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

How to get your open fire or log burner ready for colder months

There’s nothing quite like cosying up in front of an open fire or wood burner when it’s cold and damp outside. But before you light your fire, take some time to ensure that it’s working efficiently and safely. Heres's how.

couple sitting in front of a warm fire
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Coronavirus (Covid-19)

Find out how we're helping customers at this time.

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. 

Can you improve my renewal price?

We want to make renewing insurance easy for our customers so we don't offer discounted prices to people who call us. The price we've given you is our final price based on your current cover and information we hold.

**The claims service is provided by Ageas Insurance Limited, winners of the Claims Team of the Year Award at the Insurance Times Claims Excellence Awards 2020.

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

†84.88% of Rias Home Insurance customers renewed with us between 1st May 2020 – 30th November 2020.