Platform · Home and contents insurance

Home and Contents Insurance Data

"Up to £75,000 contents" is the headline. The single-item limit on page 12 is what decides a claim for a ring.

Home and contents insurance data covers the published terms of buildings, contents and combined policies: sums insured, single-item and valuables limits, accidental damage, excesses and exclusions, taken from insurers' documents. Buildings, contents and combined are three products, never compared as one. Published averages such as the ABI household tracker are recorded with their basis. No quote is ever requested with invented personal details; individual premiums are not collected.

Headline cover levels look alike across insurers. The limits underneath do not.

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home_sample.jsonl LIVE FEED

{"cover_type":"contents","headline_sum_insured":75000,"single_item_limit":2000} {"excess_by_peril":"escape_of_water: 350","source_ref":"wording-2026-05.pdf#p12"} {"index_name":"ABI household tracker","index_basis":"paid","period":"2026-Q1","value":375}

illustrative sample rows · GBthe limit underneath the headline · schema v1.0

Independence and trademarks. Actowiz Solutions is not affiliated with, endorsed by or connected to Home and contents insurance or its owners. Home and contents insurance and related marks belong to their respective owners, used here only to name the publicly accessible source this service collects from.

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Home and contents insurance at a glance

How we handle Home and contents insurance specifically

Platform-specific handling, not a generic retail template pointed at a different domain.

Scope: Buildings, contents, combined
So: cover_type on every record
Limits: Single-item, valuables, unspecified
Source: IPIDs and policy wordings
Published average: ABI household tracker — £375 combined, Q1 2026
Renewal rule (UK): Renewal price capped at new-business equivalent
Add-ons: Accidental damage, legal, home emergency — separately
Quotes: Never requested with invented details

Platform specifics

The limit underneath the headline

These are the reasons a Home and contents insurance dataset needs its own handling rather than a shared retail schema.

Limits from the documents

A contents policy's headline sum insured sits above a set of inner limits: for any single item, for valuables as a group, for items away from home, for cash. They decide what a claim pays.

headline_sum_insured and every inner limit recorded as stated, with page references.
cover_type — buildings, contents or combined — on every record.
Optional add-ons — accidental damage, legal expenses, home emergency — recorded as optional, never folded into standard cover.
Excess by peril where the documents set different ones, such as escape of water or subsidence.

Published averages, and what we do not do

Published averages

The ABI's household tracker is based on premiums actually paid across members' policies; other publishers use quotes. As on our motor page, index_basis is recorded and the two are never blended.

Renewal rule

UK home renewals fall under the same new-business-equivalent rule as motor. Context only; no compliance testing.

What we do not do

Request quotes with invented homes or occupants, compare buildings with contents, fold add-ons into cover, or collect policyholder data.

Scope

What we collect on Home and contents insurance, and what we do not

The right column matters more than the left. Anyone can list fields; the limits are what tell you whether the dataset will hold up.

✅ What we collect

cover_type on every record
Headline sum insured and every inner limit, with page references
Excess by peril where set differently
Add-ons recorded as optional
Key exclusions as stated
Published averages with index_basis
Document versions tracked
Renewal-rule context as regulation
No invented quote requests, ever

❌ What we do not, and why

Quotes requested with invented homes or people
Buildings and contents compared as one product
Optional add-ons folded into standard cover
Paid and quoted averages blended
Policyholder or claimant data

Core Home and contents insurance fields

The full dictionary is agreed during scoping. These are the fields specific to this platform.

Field	What it is on this platform
insurer / product / cover_type	As published
headline_sum_insured	As stated
single_item_limit / valuables_limit	As stated
away_from_home_limit / cash_limit	As stated
excess_by_peril	As stated
optional_addons	As stated
key_exclusions	With page reference
doc_version / effective_from	Document
index_name / index_basis / value	Published averages
source_ref	Document and page
observed_at	Timestamp

Use cases

What teams do with Home and contents insurance data

Cover benchmarking

Inner limits and excesses across insurers, like for like.

Product design

Where limits cluster, and which insurers stand apart.

Market context

Published average premiums, labelled by basis.

Document change tracking

When limits or exclusions change, by version.

The 24-hour sample — run on your sources, not ours

Send us a Home and contents insurance item or category list. We run real collection against it and return the output within 24 hours, with the platform-specific fields populated so you can check them yourself rather than take our word for it.

Real extraction from your actual sources
Returned within 24 hours
Coverage and QA note included
You keep the data either way
No card, no trial clock
Named engineer on the call

Get my free sample Book a 20-min scoping call Reply within one business day. Reference calls available under NDA.

How we engage

Three ways to engage us

Same collection pipeline and QA underneath. The difference is who holds the schedule and how the data reaches you.

Managed service (most common)

We own the collection, the QA and the delivery. You receive clean data on a schedule and never touch a scraper.

Dedicated engineer assigned to your account
Site changes fixed by us, not reported to you
Scheduled delivery to your warehouse or S3
Named contact on Slack or email

Best fit: Teams who need the data, not the infrastructure.

API access

The same collection pipeline exposed as an authenticated REST endpoint your systems query directly.

On-demand and scheduled endpoints
Rate limits agreed to your load profile
Sandbox keys for integration testing
Versioned schema with deprecation notice

Best fit: Product and engineering teams building on live data.

One-time or project extraction

A defined pull for a specific question — market sizing, diligence, a pitch, a one-off audit.

Fixed scope agreed in writing upfront
Single delivery with full QA report
Methodology documented for your records
Converts to managed if you want continuity

Best fit: Research, strategy and diligence work with a deadline.

Pricing

Every engagement is quoted individually, because the honest answer depends on your scope: how many sources, how many records, how often, and how the data reaches you. We scope it with you, run a free pilot on your own sources, and then quote a fixed monthly figure — no per-request metering and no overage billing when volumes move. Request a quote and you will have a number after one call.

Home and contents insurance is usually collected alongside its competitors

Almost nobody buys a single platform in isolation. Home and contents insurance data becomes useful when it sits next to the competitor set on one schema, refreshed on one schedule, so a price index or availability comparison is genuinely like-for-like.

That is what insurance data covers, and a Home and contents insurance-only engagement can be expanded into it without rebuilding. If you already know you need several platforms, start there instead — it is the same pipeline and usually the better scoping conversation.

FAQ

Home and contents insurance data scraping: frequently asked questions

Platform-specific questions, including what cannot be collected here.

Because they are different products. Comparing them as one mixes different risks.

A limit inside the headline cover, such as the most paid for any single item. We record each one with its page reference.

No. Quotes need personal details and we never invent them.

Averages such as the ABI household tracker, recorded with their basis and period.

Yes, as optional, never inside standard cover.

It depends on insurers and documents.

Talk to us.

See real Home and contents insurance data before you commit to anything

Send us an item or category list. We return the output within 24 hours with the platform-specific fields populated.

Get a free sample Talk to an engineer

Free pilot, no card, no obligation. If we cannot collect a field you need on this platform, the sample shows you that too.

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