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**Based on online independent research by Consumer Intelligence (June 18). 50% of home insurance customers could save £84.02 on a combined policy.

Reviewers recommend Fair Investment Company
Buildings Insurance
Structural damage cover; Water damage cover; Flooding, fire & storm
Contents Insurance
Up to £150k contents cover
Special Features
Confused.com guarantee to beat your home insurance renewal, or get the difference, plus £20*
Alternative Accommodation

Confused.com guarantee to beat your home insurance renewal, or get the difference plus £20*

*T&Cs apply

Buildings Insurance
No Limit
Contents Insurance
No Limit
Special Features
5 Star home insurance from just £99* Get up to 20% off online**
Alternative Accommodation
Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100k contents cover (up to £150k for Home Plus)
Special Features
5 Star home insurance from just £99. 25% online discount for new customers *
Alternative Accommodation
Home Insurance
From £400,000 to unlimited cover to to help rebuild your home
Contents Insurance
From £50,000 to unlimited contents cover
Special Features
Save up to 20% online
Alternative Accomodation

John Lewis Home Insurance

Buildings Insurance
£1million to help rebuild your home
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus, Unlimited Select Premier)
Special Features
Get 35% off when you buy online*
Alternative Accomodation

Direct Line Home Insurance

*Introductory offer is for combined buildings and contents cover, which excludes optional covers.  Minimum premiums apply. Excludes SELECT Premier.
Underwritten by U K Insurance Limited

Buildings Insurance
£1million to help rebuild your home (Unlimited Home Plus)
Contents Insurance
Up to £50k contents cover (£100,000 Home Plus)
Special Features
Get Churchill Home insurance from £100*. Making a claim under both Buildings & Contents? You’ll only pay one policy excess. No admin fees for changing your policy details. Churchill Home Insurance and Home Plus have been awarded a 5 Star Rating by Defaqto
Alternative Accomodation

Churchill Home Insurance

*30% of customers paid this price or less for combined buildings and contents policies between 20th January & 20th July 2018. Excludes optional extras and Home Plus policies
Underwritten by U K Insurance Limited

Home Insurance
Up to £750,000 to help rebuild your home
Contents Insurance
Up to £75,000 contents cover
Special Features
Buy online and save 30%
Alternative Accomodation

ASDA Money Home Insurance

Buildings Insurance
Up To £500,000 standard (Up to £2m available)
Contents Insurance
Up to £60,000 contents cover
Special Features
'Get you home service' after an accident - up to £250 and a 24-hour legal helpline
Alternative Accomodation

Age Co Home Insurance

Buildings Insurance
£1million to help rebuild your home (unlimited for Home Plus)
Contents Insurance
Up to £100K contents cover
Special Features
A personal claims manager if you need to move out of your home due to a claim Worldwide protection for your credit cards, debit cards and cash up to £500
Alternative Accomodation

Saga Home Insurance

Online Discount
Up to 30%
Quotes available for
Homeowners, tenants and landlords
Special Features
We offer a comprehensive quote system for buildings and contents insurance. Follow through and answer the quote questions, then if you are happy to proceed, you can take up your quote instantly and securely, online.

UK Insurance Net Home Insurance

Home Insurance

Home insurance is commonly referred to in the context of providing insurance cover for building and contents insurance for personal property.

The UK home insurance market is highly competitive with many insurers offering the option for homeowners for combined building and contents insurance. Policies will often have the option for home legal expenses insurance.

With the home being the biggest asset most people own insuring the rebuild cost makes a lot of sense and may be required if there is an outstanding mortgage by the lender.

Contents insurance is a valuable insurance as the cost of replacing the contents of a typical home can significant if you take into account carpets, curtains, electricals and valuables.

Different Types of Home Insurance

There are a range of insurance policies available to cover different types of risk when it comes to your home – see below.

Types of Home Insurance

Home Insurance Features

Building Insurance Provides cover to property against risk factors such as fire and flood. Building insurance can be for a specific sum assured or rebuild cost. When taking out a mortgage most lenders will insist you take out building insurance.
Contents Insurance Provides financial protection in the event of damage or destruction to contents and possession due to events such as theft, fire or flood. In calculating the cost of contents insurance for high value items specialist high value contents insurance may be required.
Flood Insurance Flood risk insurance provides financial protection to properties. In the UK this type of cover has become increasingly important and the cost of cover has risen in flood designated areas as extreme weather conditions have become more commonplace.
Home Insurance Home insurance can include both building and contents insurance and provides financial protection in the event of damage to your home e.g. fire or contents e.g. burglary. In the UK the home insurance market is highly competitive and home insurance premiums can vary significantly from one home insurance provider to the next.
Landlord Insurance Provides financial protection to landlords covering anything from flood to tenant damage. Landlord insurance policies will usually include public and property owner liability insurance. Landlords Contents insurance is also an option where properties are furnished.
Legal ExpensesInsurance Sometimes sold as an add on to house insurance and provides legal expense cover in the event of a dispute. There are two types of cover; Most legal expenses insurance is to provide protection for things that might happen and covers costs of solicitor fees and legal costs if the other side wins. After the event legal expenses insurance provides protection in the event that you lose your court case.
Mortgage Insurance Mortgage insurance can take two forms. Mortgage life insurance provides financial protection in the event of death of the mortgage holder (s) ensuring that any mortgage liability on your home is met. Mortgage payment protection insurance provides protection to home mortgage repayments in the event that the mortgage holder in unable to work due to sickness, injury or unemployment. Cover will last normally for no more than 12 months.

1. Building Insurance

Your home is probably the most valuable asset you own so you want to insure that if things go wrong you are adequately covered. This type of cover includes the building structure, and fixture and fittings such as the floors, windows and fitted kitchens and depending on the cover outbuildings such as your garage or garden shed. A comprehensive buildings insurance policy should provide protection against fire, falling trees, storm damage, vandalism, subsidence, earthquake and flood. With home insurance in flood areas the level of cover that you are offered may be affected by the property location. You can check whether your house is in a flood risk area by typing your post code into the Environment Agency’s Flood map.

Depending on the insurer you will be quoted on either a sum insured basis i.e. you specify the sum of money you want your home to be covered for on a no limit basis where the insurance will cover the cost of rebuilding or repairing your property. When comparing building insurance quotes it is important you compare quotes as much as possible on a like for like basis and read the small print to ensure the cover is in line with expectations.

2. Contents Insurance

With contents insurance there are two types of cover arrangement. New for old policies are more expensive with the payout providing funds to replace your lost or damaged item with a new one. With an indemnity policy the payout will reflect the age of the item that you are claiming for and so the payout won’t necessarily reflect the replacement cost.

 

3. Using a Home Insurance Comparison website

Online comparison websites provide a useful and easy way of getting insurance quotes. No insurance comparison website covers the whole market so it makes sense to use more than one source to ensure you are getting the right cover at the right price. You should also note that some home insurance companies do not appear on comparison websites .

4. Using a Home Insurance broker

If you are not sure what cover you need or want somebody to help you through the process there are many home insurance brokers who will be happy to help. A good insurance broker will not help you in buying home insurance but also provide support in the event that you need to make a claim. If you intend to use a broker you should check their FCA registration on the FCA website.

5. Providing correct information

In assessing the insurance risk an insurance company will rely on the information that you give as being accurate. Information provided will determine whether insurance is provided and the cost of premiums. It is therefore important that any information you provide is correct e.g. for home insurance factors such as existing subsidence issues with the property or previous flood damage can have a material impact on the premium you are required to pay. Non disclosure of such information at the time of application can result in a non payout in the event of a claim. If you are using an insurance broker this is where valuable advice can be provided.

6. Cheapest is not always best

With insurance you generally get what you pay for so before you sign up to a home insurance policy you should be aware of what you are covered for and what is excluded. You should consider what you need and ensure you are adequately covered. This may mean you have to pay more to get what you want.

7. Automatic Renewal

When you buy home insurance and you pay by direct debit some insurance companies will automatically renew your policy at the renewal date. You should recieve a written notice of the renewal and any increase in the premium. If you are not happy you need to be proactive and shop around before the renewal date and cancel the existing policy before renewal.

8. Changing your mind

You have the right to change your mind within a set period normally 14 days from purchase of the home insurance policy and have your money returned.