Over 50s Home Insurance

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Compare - Latest Home Insurance Deals for Over 50s
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
£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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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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£500,000£1,000,000

5 star Defaqto rated home insurance from Insure4Retirement

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UnlimitedUnlimited*

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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*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 insurancepremium 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

Save money on over 50s home insurance!

Anyone qualifying for over 50s home insurance could save money on their contents and buildings insurance. A number of home insurance providers provide special rates for older people and can offer some great over 50s home insurance benefits which could include:

  • Paying only for the cover you need
  • Online savings for combined building and content cover
  • Protection for your home and its contents
  • Lower premiums reflect that over 50s make fewer claims

When it comes to finding over 50s home insurance, there can be a number of distinct advantages to being a little older.
People who are looking for home insurance for the over 50s should be able to quickly find a number of home insurance quotes from a number of different home insurance providers. Many insurers could offer lower premiums based on the fact that over 50s are less likely to make a claim than their younger counterparts.


This decreased probability of having to make a serious payout means there are insurance providers competing for the over 50s home insurance market.  This means that savvy consumers should be able to exploit this competition to get the best deals.
These premiums can be lowered further if you live in an area with a low crime rate, have good quality locks and alarms fitted and maintain the property regularly.


The detail of particular polices for over 50s home insurance will vary but a bit of shopping around may throw up things like:


  • The offer of having higher buildings and contents cover
  • ‘New for old’ contents cover which will mean that damaged or stolen items are replaced with brand new ones
  • Some insurers may offer discounts on upgrading security systems and locks
  • Additional protection for periods when the house is unoccupied
  • Contents cover extensions to encompass the property’s garden as well