Home insurance should feel reassuring, not restrictive. Yet many policies in the UK follow the same predictable formula: fixed limits, bundled cover, and very little flexibility. Your home has to fit their structure, even when that structure doesn’t reflect how you actually live.

At Frontier, we believe insurance should start with you, not the template.

Frontier Premier Home Insurance is designed for homeowners who want greater control over how their cover works. It gives you the freedom to shape protection around your property, belongings, and lifestyle while still benefiting from strong, comprehensive protection where it matters most.

Whether you’re insuring your primary residence, a second home, a holiday property, or a rental property, Premier is designed to adapt to the realities of modern home ownership.

Key Takeaways

  • Frontier Premier Home Insurance gives you the flexibility to tailor cover around your property and lifestyle instead of fitting into a rigid package.
  • The policy offers unlimited buildings cover and unlimited contents cover for general household items, subject to underwriting acceptance.
  • You can choose buildings cover, contents cover, or combined protection depending on your needs.
  • The policy supports a wide range of property types, including main residences, second homes, holiday lets, and certain non-standard homes.
  • Frontier Premier protects against major risks such as fire, storm damage, flooding, escape of water, burglary, and subsidence.
  • Optional add-ons allow you to extend protection to personal belongings, garden contents, business equipment, and more.
  • The policy is designed to be clear and flexible, helping you build protection that reflects how you actually live.

Why Many Home Insurance Policies Feel Limiting

If you’ve ever compared home insurance quotes, you may have noticed a familiar pattern. Most policies come with predefined limits and bundled options that are already selected for you.

Sometimes that works. But it can also create frustration.

You might find yourself:

  • Paying for cover you don’t actually need
  • Facing limits that feel too low for the value of your home or belongings
  • Trying to fit a unique property into a “standard risk” policy

Frontier Premier takes a different approach.

Instead of rigid packages, the policy is built around flexibility and choice.

At its core, Premier offers:

  • Unlimited buildings cover (subject to underwriting acceptance)
  • Unlimited contents cover for general household items under £1,500
  • The ability to choose buildings cover, contents cover, or both
  • A wide range of optional extras you select yourself

Nothing is automatically added to your policy. Every element is chosen intentionally so you can build protection that fits your situation.

Insurance That Adapts to Different Types of Homes

Homes across the UK are incredibly diverse. From modern apartments to historic listed houses, from city terraces to countryside cottages, every property comes with its own characteristics.

Frontier Premier is designed with that diversity in mind.

The policy can support a variety of residential situations, including:

  • Main residences
  • Second homes
  • Holiday properties
  • Unoccupied properties (within underwriting appetite)
  • Airbnb and short-term lets
  • Small-scale landlord properties

For many homeowners, this flexibility is one of the most valuable aspects of the policy. It means your cover can evolve as your circumstances change.

Perhaps you convert a property into a holiday let. Maybe you purchase a second home or start renting out a property. Frontier Premier is designed to accommodate these kinds of changes.

When Your Property Doesn’t Fit the “Standard Risk” Box

Many homeowners discover that certain properties are considered difficult to insure. Previous subsidence. Flood history. Timber frame construction. Listed building status. These factors can make some insurers reluctant to offer cover.

Frontier recognises that many of these homes still deserve access to strong, fairly priced protection.

Frontier Premier may be able to accommodate properties with characteristics such as:

  • Previous subsidence
  • Prior flood history (where eligible)
  • Timber frame construction
  • Grade II or Grade B listed buildings

Rather than automatically excluding these homes, Frontier looks at each property within its underwriting criteria to determine whether cover can be provided.

For homeowners who’ve struggled to find suitable insurance in the past, this approach can open the door to more comprehensive options.

Protection Where It Matters Most

While flexibility is a defining feature of Frontier Premier, strong core protection remains the foundation of the policy.

The cover protects you against major risks that could otherwise lead to significant financial loss.

Premier includes protection against events such as:

  • Fire, lightning, and explosion
  • Storm damage and flooding
  • Escape of water
  • Burglary and vandalism
  • Riot and civil unrest
  • Earthquake
  • Impact damage and falling objects
  • Subsidence

These risks are among the most serious threats to homeowners. Having protection in place means your property may be covered if the unexpected happens.

Built-In Protection That Goes Further

Frontier Premier also includes several valuable features designed to support you when you need help most.

Key benefits include:

  • Alternative accommodation cover up to £200,000 if your home becomes uninhabitable after an insured event
  • Public liability cover up to £2 million, protecting you if someone is injured or their property is damaged in connection with your home
  • Cover for personal possessions within stated limits

You can also choose to add accidental damage protection for buildings and contents to extend cover for everyday mishaps.

Optional Cover That Reflects Real Life

Your home isn’t static. Over time, your lifestyle changes, families grow, and belongings accumulate. That’s why Frontier Premier allows you to extend your policy with a wide range of optional add-ons.

These include protection for:

  • Personal possessions both in the UK and worldwide
  • Pedal cycles
  • High-value specified items
  • Garden furniture and outdoor contents
  • Outbuildings and their contents
  • Business equipment kept at home
  • Domestic staff through employers’ liability cover

Additional support options are also available, including family legal protection, landlord legal protection, and home emergency assistance for urgent issues such as boiler breakdowns or burst pipes.

The key point is simple: you decide what your policy includes.

Nothing is automatically selected. Everything is chosen based on your needs.

Simpler, Clearer Insurance

Insurance policies have a reputation for being complicated. Long documents, unfamiliar terms, and hidden conditions can make it difficult for customers to feel confident in the cover they are choosing.

Frontier Premier aims to bring greater clarity to the process.

The digital journey helps you understand:

  • What your policy covers
  • What limits apply
  • Which optional protections are available
  • How your premium is structured

By making these elements easier to understand, you can make decisions about your cover with greater confidence.

Is Frontier Premier Right for You?

Frontier Premier is particularly suited to homeowners who want enhanced protection and greater flexibility in their policy.

It may be the right option if you’re looking for:

  • Home insurance with unlimited buildings cover
  • Unlimited contents cover for general household belongings
  • Insurance for second homes or holiday properties
  • Cover for listed or non-standard construction homes
  • Protection for properties with previous subsidence (where eligible)
  • A policy you can tailor with optional add-ons

If you prefer defined cover limits and a more cost-controlled approach, Frontier Essentials may be a better fit. But if you’re looking for broader protection and flexibility, Frontier Premier offers a powerful alternative.

Home Insurance That Adapts to You

Your home is unique. The way you live in it is unique too. Insurance should reflect that reality.

Frontier Premier has been designed to give you greater control over how your cover works, with strong protection at its core and flexibility built into every stage of the policy.

Because home insurance should adapt to you, not the other way around.

FAQs

What is Frontier Premier Home Insurance?

Frontier Premier is an enhanced home insurance policy designed for homeowners who want flexible protection and higher cover limits. It allows customers to tailor their policy around their property and belongings while benefiting from comprehensive protection against major risks that could affect their home.

Does Frontier Premier offer unlimited buildings and contents cover?

Frontier Premier provides unlimited buildings cover and unlimited contents cover for general household items, subject to underwriting acceptance and policy terms. This structure helps ensure that the available protection reflects the true value of a home and its contents rather than being limited by fixed limits.

What types of property can be insured under Frontier Premier?

Frontier Premier can support several types of residential property, including main residences, second homes, holiday homes, and certain landlord properties. The policy can also be suitable for some non-standard homes, such as listed buildings or properties with previous subsidence, provided they meet Frontier’s underwriting criteria.

What risks does Frontier Premier protect against?

The policy protects many of the major risks homeowners face, including fire, lightning, storm damage, flooding, escape of water, theft, malicious damage, and subsidence. These protections are designed to help safeguard homeowners from the financial impact of unexpected events.

Can I customise my Frontier Premier policy?

Yes. Frontier Premier is designed to be flexible, allowing customers to tailor their cover to suit their circumstances. Optional protections such as accidental damage cover, personal possessions cover, legal protection, and home emergency assistance can be added depending on the level of protection you want.