British Gas Home Insurance

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51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

British Gas Home Insurance

We never know when an emergency situation could arise that affects our home. Whether it is an accident, weather damage, a fire, or theft, it pays to be prepared for the worst. Building repairs can be highly expensive and with most properties holding approximately £25,000 of contents, so making sure you have adequate home insurance is a sensible precaution.

Home insurance policies are usually flexible and most providers will either offer you a joint buildings and contents insurance policy or the option to buy them separately. It’s also possible to add-on optional extras depending on the exact type and level of coverage you think you will need.

British Gas Home Insurance Review

British Gas offer the following as standard with all of their policies:

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

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

There are a range of extra types of cover you can buy to match your personal needs. If you book online then British Gas offer 20% off any extras for the first year.

Dental Damage Cover

Add to your cover for protection against accidents at home

Personal Possessions Cover

Protection of your personal possessions when you’re away from home, such as your laptop and mobile

Bicycle Cover

This insures your bike and accessories against damage and loss, anywhere in the world

Garden Cover

Covers garden equipment and furniture against damage and theft

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.

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

Do you need buildings and content cover?

It’s generally advised that you take out both but it does depend on your individual circumstances

Does the policy provides enough cover?

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

What is New for Old and do I need it?

New for Old cover for your possessions is worth considering. This is offered as standard in many contents policies now and simply means that you will receive a similar but new product to the old item, rather than the value of the old one.

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