HOME
INSURANCE
Your money. Your time. Your home.
*UK (excluding Northern Ireland)
DON’T TAKE COVER.
TAKE ACTION.
Why do you buy home insurance?
Just in case.
But if disaster strikes, you’re just as likely to lose your stuff whether
you’re insured or not.
Sure, you’ll get a payout – but everyone has something in their home
that they couldn’t bear to lose. What’s yours?
We can help you to actually protect the things in your home that you love.
Train yourself to reduce your risk, improve your safety with deals on smart devices,
and activate the smart tech discount on your premium.
It’s all part of the Locket service.
You’re in charge
Fast, not furious
Quick quotes, instant policy docs and on-demand adjustments. Your cover evolves to suit your lifestyle.
Exclusive benefits
Access awesome deals and discounts – exclusive to you as a Locket member!
No strings
Try Locket for 14 days. If you don’t like it (and you haven’t made a claim) we’ll give you all your money back.
No fees, no faff
You don’t pay a fee to change your policy. Or to cancel it. We’ll even refund you for any time that you haven’t used. (We might need a little time to get over it though.)
Complete confidence
You don’t need a degree in Latin to understand what you’re covered for. Locket policies are written in plain English, and avoid complex legal jargon.
MCMXCIX non est.
Building and Contents 
Insure your home and your possessions.
Contents 
Insure your possessions.
Optional power-ups
Accidental Damage To Buildings
Expand your cover to include damage to your buildings that you cause accidentally.
Home Emergency
Get emergency assistance from a trusted tradesperson 24/7. Fast, effective help with problems like break-ins, burst pipes and boiler breakdowns.
Accidental Damage To Contents
Expand your cover to include damage to your contents that you cause accidentally.
Personal Legal
If you’re involved in a legal dispute, you’ll get help with the costs, access to helplines and more.
Out & About Worldwide
Your policy covers items when they are in your home. This power-up expands that cover to when you take them with you when you’re out and about.
Rated Excellent by
our members.
-
TAKE
CONTROLJoin the thousands of people already improving their home protection and reducing their risk with Locket.
No tech yet? No problem. You don’t need smart devices to get a quote from us, or even to get a good price!
Once you’re a member, you can access sweet member benefits to start building your protective tech setup with a big discount.
App-First, Paper Last.
That doesn’t mean that we don’t deal in slices of dead tree – it just
means that it’s always our last resort.
Everything about Locket is administered digitally – via our app,
website, and email.
If you need something on headed paper to convince some stuffy
outdated company that you have insurance, we can totally help you
with that. But if not – we ask that you respect the planet, and stay paperless.
HUNGRY FOR
MORE?
EXAMPLE POLICiES
FAQs
CONTACT US
Read an Example Policy 
Insurance policies are often confusing and convoluted, but we’ve kept ours as simple for you to read and understand as possible.
Check out an example below so you know exactly what you’re covered for.
Our policies are living documents – so when you update your cover you’ll instantly be able to access your latest policy docs in the Locket app.
Choose an example policy:
