Home Cover

Together we protect what matters to you

The Retail Mutual provides an alternative to traditional insurance, offering peace of mind and flexibility, 24 hours a day, 365 days a year.

Our home cover plans offer protection for your home and personal possessions, tailored to your individual needs. Accidental damage, alternative accommodation and home emergency cover are all included in our cover options.

If the unexpected happens, The Retail Mutual is by your side every step of the way. As a Mutual we exist purely for the benefit of our Members – we have no shareholders expecting dividends and we even have the discretion to pay claims that aren’t always covered. That’s what makes us different.

We’ve got you covered

  • Tailored cover options to suit your individual needs
  • Protection for your personal belongings and valuables including up to 60 days worldwide
  • Entertainment equipment up to £2,500
  • Tracing and repairing leaks up to £2,000
  • Alternative accommodation for you and your family
  • Interest-free payment plans
  • No admin fees
  • No cancellation fees
  • Fast and easy claims service

Create your cover

Call 0333 2121 280

Click the button below to fill in our quick-and-easy quote form

Home cover built to your exacting standards

Need something else? We also provide business cover, including cover for newsagents, hairdressers and more. Call 0333 2121 280 or start your quote online.

The Mutual Claims team have been extremely helpful. Many thanks for your very prompt assistance.

Liz, a shop owner

Lots of our members now have multiple policies, myself included. Why would I want to go elsewhere?

Naresh, Newsagent and Convenience Store Owner

Our recent experience of claims handling at The Retail Mutual was excellent.

Peter, Newsagent

Click below to view and download the cover wording and cover summary documents: