British Gas Home Insurance

Compare British Gas Home Insurance

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Rebuild Cost£50,000

40% no claim discount if you have been claim free for five years or more

Smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum premiums apply.

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£1 million£100,000

Over 50s Home Cover - Buildings and contents insurance from £141 a year – 51% of customers who paid annually and took out a new policy between May and July 2015 paid this or even less

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Great value 'Defaqto' 5 Star rated cover. £1 million cover if you need to rebuild your home, choose up to £150,000 for your contents cover, 24-hour UK emergency helpline, 12-month guarantee on repairs

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Up to 20% Online Introductory discount for new customers.

(See terms and conditions)

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Get a quote today and you could save 15% when you buy online. (Discount includes introductory and web discount, first year premium only. Minimum Premiums apply)

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Get quotes from over 65 home insurance brands in minutes, 25% of customers save up to £127.23, compare up to 30 policy features at once

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*There is no total sum insured, but other limits apply including single article and total valuables limits.

** Up to 50% offer includes introductory 25% discount applied to annual home insurance premium and not to additional extras. £30 gift card applies when purchasing new combined cover.

***99% of people who had a buildings and contents quote during May 2012 received a discount of at least 15%.

♦ Not available to customers renewing their existing cover

 ****Discount applies when you buy buildings and contents together. 30% combined and 20% online discount deducted consecutively. Excludes optional covers. Minimum premiums apply. New customers only.

Is Home Insurance Worth it?

Emergency situations are impossible to prepare for, consequently, people are rarely financially prepared for when their home is subject to an accident, adverse weather damage, a fire, or theft. However, these things do happen, building repairs are expensive and with most properties holding approximately £25,000 of contents, home insurance is the most sensible way to be ready for the worst.


Policies are flexible and most providers will either offer you a joint buildings and contents insurance policy or provide you with the option to buy them independently. It’s also possible to add-on optional extras depending on the level of coverage you think you will need.

British Gas Home Insurance Review

British Gas offer their standard Buildings and Contents insurance which is a combination of the two policies below. They also offer, as standard:

  • 20% off insurance when you buy online
  • An online account to manage your policy
  • A UK based 24 hour claims line

If you prefer to purchase your policies separately:

Buildings Insurance

Helps protect the structure as well as the fixtures and fittings of your home. They offer buildings cover up to £1 million.

Contents Insurance

This policy helps protect your possessions including furniture, electrical equipment and jewellery. They offer contents cover up to £85,000, with a £12,000 limit for single valuable items

Optional Extras:

If you book online then British Gas offer 20% off any extras for the first year.


  1. dental damage - Add to your cover for protection against accidents at home
  2. Personal possessions – Protection of your personal possessions when you’re away from home, such as your laptop and mobile
  3. Bicycle cover – This insures your bike and accessories against damage and loss, anywhere in the world
  4. Garden cover - Covers garden equipment and furniture against damage and theft
  5. Student cover – Protection for belongings while your child is at boarding school, college or university

Choosing Home Insurance

When you’re choosing your home insurance, there are many things to consider. We’ve narrowed down some of the key elements of home insurance which you should be looking for.


  1. Is your property specialist? – If you own a listed building or if your property has an unusual feature such as a thatched roof, you may need specialist cover
  2. Do you need buildings and content cover? – It’s generally advised that you take out both but it does depend on your individual circumstances
  3. Make sure the policy provides enough cover for you – All policies have their limits and it’s wise to make sure that your home is covered for the rebuild value rather than the market value. Cost your contents to make sure the policy will be enough to cover it all, most people vastly underestimate how much their home contents are worth
  4. What is New for Old and do I need it? – New for Old cover for your possessions is worth considering, it’s offered as standard in many contents policies now. It simply means that you will receive a similar but new product to the old item, rather than the value of the old one.
  5. What excess are you able to pay? – Many home insurance policies come with excess charges, both voluntary and compulsory, so make sure your chosen provider’s excess policy works for you