Earlier this year, 2 squirrels dug into my guttering causing water ingress from the gutter to my bedroom wall. I contacted Halifax and I got a response that vermin damage isn't covered. However, the AZP Home Emergency cover DOES cover water ingress caused by pestilence but Halifax said they'd looked across both polices and, because Halifax had taken so long to answer my claim, AZP could no longer cover it as a Home Emergency!Then, last month, I was feeling very ill due to my disabilities but had to attend an early medical appointment - I opened my front door to let my assistance dog go for a wee in front of my house but, partly due to my being half-asleep and partly because my dog dragged a squeaky toy out with him, I heard the front door Click-&-Lock behind me with keys on the INSIDE of door lock... I was locked out! My neighbour was up and he let me and my dog sit in their house to call AZP Home Emergency line and, when the call eventually got out through to a human, they asked a few questions before telling me that, because my house was effectively secure I'd have to pay £200 on-the-spot - my wallet was inside the house - plus, after paying, it was "up to a 24-hour wait after payment before they could send a locksmith out. These 2 Halifax Home Insurance plus AZP Home Emergency policies are absolutely useless as both will reject any claim on the basis that the other policy is liable - Halifax says AZP covers it and AZP says Halifax covers it - I was sold this policy as a single cover policy for Building & Contents Cover with Home Emergency.I've held buildings & contents insurance on my property for the past 30 years but the last 2-3 years with Halifax Home Insurance has shown their policies to be AWFUL!
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It is named after the town of Halifax, West Yorkshire where it was founded as a building society in 1853.