HOME INSURANCE THAT’S
USEFUL WHETHER YOU
CLAIM OR NOT

Why buy something and never use it?

6 questions, 60 seconds

Forget playing 20 questions just to get a quote.

Smart home? Smart price.

Tell us which smart devices you have and we’ll automatically apply a discount.

No tech yet?

No worries. Get ridiculously-cheap, members-only access to the best tech to protect your home.

Tech first

Locket is home insurance that lives in your smartphone and speaks your language.

One monthly subscription

Start and end whenever you like. No admin fees, no cancellation fees, no nonsense.

Home insurance overview

Great cover at a great price. Our all-in-one buildings and contents policy covers you for all sorts of mishaps, from burst pipes to lost keys. And with optional extras like accidental damage, legal expenses and a home emergency service, you’ll never be left out in the cold again.

We cover

Fire
Storm
Flooding
Theft
Water leaks
Alternative accommodation
Legal liability

We don’t cover

Frost
Pollution
Pets and plants
Poor maintenance & workmanship

Policies for human people

Ever feel like you need a PhD to understand your insurance? We’ve developed a policy that’s 98% plain English, and 78% shorter than our competitors’. We’re working on making it shorter and clearer all the time. We won’t be happy until it fits on a napkin.

see example policy

Lives in your mobile.
Speaks your language.

It’s the year 2021 and we can summon food, transport and answers to almost anything with a few taps on a smartphone. So why does your old insurer still have a fax machine? We believe insurance should feel as easy and intuitive as lining up a movie or ordering takeout. One day maybe we’ll even manage to make it fun.