Compare Home Insurance Quotes
Compare Over 40+ Home Insurers
- One short form to complete
- Compare UK home & contents providers
- Find a policy to suit your needs!
Selected Home Insurance Deals
- *Based on 10% of Admiral tier Instaquote building and contents combined customers between July and December 2020 paid from £115
- Choose from three levels of cover: Admiral, Gold or Platinum
- Unlimited buildings cover
- Up to £150,000 contents cover
- Bicycle cover (under £350)
- Optional additional cover including bicycle cover worth more than £350, high value items and personal possessions
- Optional extras including Family Legal Protection, Home Emergency Cover, Boiler Emergency Cover and Accidental Damage Cover
- 24 hour emercny helpline
- Moneyfacts’ Home Insurance Provider of the Year, Moneyfacts’ highest five star rating, Insurance Choice Awards Best Home Insurance Provider 2019
- Admiral.com Home Insurance is rated 9.1 out of 10 based on 4084 Revoo reviews from the last 12 months
- 20 million policies: Over the past 28 years, the Admiral Group has served millions of policies to our vast customer base.
- Build your policy from three levels of Bronze, Silver or Gold Cover for buildings, contents or both. Then tailor your policy with optional add-ons
- Change your policy at any time, without admin fees or hidden charges. You can even cancel at no extra cost
- If you’re an existing customer, you won’t pay more than a new customer for the same cover
- From £10,000 to Unlimited Alternative Accommodation Cover if you can’t stay in your current home as the result of an approved claim
- Valuable cover from £10,000 to £40,000
- Optional add-ons including Personal Cyber Cover, Legal Expenses Cover, Accidental Damage Cover for contents and/or buildings, Bicycle Cover. Student Cover, Home Emergency and Boiler Servicing Cover, and Gadget Cover
- Extras included as standard in our Saga Home cover level:• Accidental damage cover means mishaps at home, such as dropping a laptop or spillages on carpets, don’t have to be costly.
• Personal belongings cover protects items you take out with you up to £10,000 (single item limit £2,500).
• Alternative accommodation is based on your individual circumstances, so you’re covered to stay in a place like home if you have to move out due to a claim.
• 3-year fixed price means no unexpected price increases for two renewals.
Saga’s home insurance policies are unique products and are designed by us specifically for our customers. They are underwritten by a number of carefully selected insurers that, like us, are committed to providing high standards of quality and service
Cover for your property, possessions and more.
Damage to your property and possessions
- Caused by events such as fire, theft, subsidence and flooding
- Includes damage to garages and outbuildings and their contents
Cost of alternative accommodation (including loss of rent)
- We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
- And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable
Liability protection for injuries or property damage
- If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
- Wet rot, dry rot or frost damage
- Damage that’s been caused over time
- Fences, gates or hedges damaged in a storm
- Claims for poor workmanship or faulty design
Take a look at our policy wording for full details of what’s not covered.
* Excludes Home Emergency and Home Legal expenses
- Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need
- Quickly compare home insurance quotes
- We’ll show you which home insurance quotes are the cheapest along with claims experience, a quality score, home emergency cover and cover level
- Once you’ve found a policy that suits your needs, you can call or click through to apply for your home insurance policy directly with the insurer
- *51% of consumers could save up to 41.70%, or £90.17. Consumer Intelligence, November 2019
- Save £££’s online with our home insurance policies
- Buildings, contents or combined insurance available
- Add on optional extras
- Low prices with great value insurance
- Flexible, comprehensive home insurance
- CCJ’s, bankruptcy or offenders acceptable
- Cover available for vacant property
- Non standard construction insurance available
- 9 out of 10 customers rate overall claims service as excellent
What do I need to get a quote?
Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:
Your property’s build date: you can find the actual date in your mortgage survey or home buyer’s report
The date you bought your house or when you moved in.
Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.
Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.
The rebuild cost of your house: Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.
The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.
The details of any items you wish to insure that are worth over £1,000.
Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.
What does home insurance cover?
Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.
Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.
Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.
You can compare all three policy types through Confused.com.
You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.
For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.
- Cheaper insurance based on what you actually own – Every policy includes a free video survey with one of our accredited surveyors – meaning that in just 15 minutes, you’ll have an accurate figure of the exact level of cover you need
- Quick and easy claims – for items under £5,000 the survey will also serve as proof of ownership – meaning smoother, faster claims
- Get a quote in 60 seconds
- Your data is protected by bank and government grade technology, ensuring the highest levels of security and privacy. Your data will never be shared without your consent
- No cancellation fees
- No administration fees to make changes
- 24/7 UK based claims service
- Contents cover can include bicycle & gadget cover
- Damaged items get replaced with new
- Underwritten by Great Lakes, a fully owned subsidiary of Munich Re Group who are one of the world’s leading reinsurers
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.
Compare Over 40+ Home Insurers
- One short form to complete
- Compare UK home & contents providers
- Find a policy to suit your needs!
What Are The Different Types Of Home Insurance?
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.|
8 Things To Consider When Buying Home Insurance
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.
Home Insurance Providers
- AVIVA Home Insurance
- Columbus Home Insurance
- AA Home Insurance
- Abbey Home Insurance
- Admiral Home Insurance
- Age UK Home Insurance
- AIG Home Insurance
- ASDA Home Insurance
- AXA Home Insurance
- Bank of Scotland Home Insurance
- Barclays Home Insurance
- Birmingham Midshires Home Insurance
- Bradford and Bingley Home Insurance
- British Gas Home Insurance
- Castle Cover Home Insurance
- Churchill Home Insurance
- CIS Home Insurance
- Confused.com Home Insurance
- Co-operative Home Insurance
- Cornhill Direct Home Insurance
- Direct Line Home Insurance
- Direct Choice Home Insurance
- Elephant Home Insurance
- Endsleigh Home Insurance
- esure Home Insurance
- First4 Home Insurance
- GoCompare Home Insurance
- Greenbee Home Insurance
- Halifax Home Insurance
- Hastings Direct Home Insurance
- Hiscox Home Insurance
- Hiscox Overseas Home Insurance
- HSBC Home Insurance
- ING Direct Home Insurance
- John Lewis Home Insurance
- Kwik-Fit Home Insurance
- Legal & General Home Insurance
- Liverpool Victoria Home Insurance
- M&S Home Insurance
- More Than Home Insurance
- Nationwide Home Insurance
- Natwest Home Insurance
- Norwich Union Home Insurance
- Post Office Home Insurance
- Privilege Home Insurance
- Prudential Home Insurance
- RAC Home Insurance
- Royal Bank of Scotland Home Insurance
- RIAS Home Insurance
- Saga Home Insurance
- Sainsbury’s Home Insurance
- Santander Home Insurance
- Sheilas’ Wheels Home Insurance
- Swiftcover Home Insurance
- Swinton Home Insurance
- TESCO Compare Home Insurance
- TESCO Finest Home Insurance
- Tesco Home Insurance
- TESCO Value Home Insurance
- Virgin Money Home Insurance
- Yes Home Insurance
- Zurich Connect Home Insurance