More Than Home Insurance

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Compare - Latest Home Insurance Deals
ProviderBuildings Max Std CoverContents Max Std CoverFeatures:Get Quotes
Rebuild Cost£50,000

5 Star home insurance from just £99
10% of all customers buying home buildings and contents insurance with us from June 2017 to August 2017 paid £99 or less (Source: Aviva). The price you pay will depend upon individual circumstances, cover chosen and payment method selected.

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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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Five star rated Platinum Home Insurance.
(Moneyfacts Home Insurance 2018). Choose from three levels of cover, covering some or all of: home emergency, boiler cover, family legal protection, accidental damage on both buildings and contents, personal possessions, bicycles, matching items, trace and access. Plus add optional extras. 24-hour Emergency Helpline

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UK's number 1 rated home insurance provider. We compare policies from leading providers as well as our own to find you the right cover. Prices fixed for 2 years

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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

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5 Star Defaqto award-winning insurer.
Pay monthly at no extra cost (0% APR Representative). Low excess of just £45 (apart from escaping water and subsidence). No hidden admin fees. 'New for old' cover. Age UK Home Insurance is administered by Ageas Retail Limited and provided by a limited panel of insurers.

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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 trusted home insurance brands in minutes. 20% of consumers could achieve a saving of £158 with (based on independent research by Consumer Intelligence during 1 October to 31 October 2016)

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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.

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Is More Than home insurance right for you?

Home Insurance is a way to be financially prepared for an emergency situation at home. Repairing your home or rebuying lost or stolen contents can be expensive, so it can be a relief to know you’re covered given any eventuality.


Home insurance comes in many forms but it basically falls in to three categories: buildings insurance, contents insurance and a combination of the both. Providers will usually give you the option to tailor a cover package to suit you, offering a range of extras varying from accidental damage cover to legal support.


Choosing a More Than home insurance policy

With a More Than home insurance policy you can benefit from the following:

  • Up to £1,000,000 buildings cover as standard
  • Up to £1000,00 for the contents in your home
  • Alternative accommodation provided if your home needs repairs
  • New for Old replacements of your damaged items
  • Storm damage included, if you lose any roof tiles or worse they will cover it – this doesn’t include any damage to fences, hedges and gates
  • UK-based 24 hour call centre


Optional policy upgrades

You can upgrade your cover with the following features to build a truly comprehensive policy that offers all the protection you need.


Trace and Access

With upgraded buildings insurance, you can receive up to £5000 trace and access cover which means that after a leak is fixed they will replace the part of your home that has been damaged during the access. If water freezing in the pipe is what caused the leak then they will replace the damaged pipe.


Accidental Damage

This covers accidents around the home. You can add this to either your buildings or contents insurance, a £250 excess does apply.


Personal Possessions

This add-on gives you cover for items worth less then £1,000 for the devices you carry around with you, like your mobile phone and jewellery. You can also cover ‘Personal Money’ up to £500.


Bicycle Cover

More and more people are cycling but they are often left unattended and are prone to damage. This will cover you up to £1,500 per bicycle


What isn’t normally covered by home insurance?

When you take out a home insurance policy, it is important to be clear exactly what is and isn't covered. This will ensure that you don't have any nasty surprises if you need to make a claim and realise the issue affecting you isn't covered. It also means you can look at adding optional extra cover where necessary to give you the protection you need.


Wear and Tear

Even with a maximum policy, you are generally unable to claim on anything that has been subject to wear and tear, for example: damage by rust, damp, condensation, fading or frosts.


Repairing Leaks

Policies vary but generally with ‘trace and access’ cover you will be covered for the damage to the building or fixing frozen pipes but not to fix the leak itself. Check your policy carefully for its policy on leaks.


Garden cover

You can take out garden cover with most providers but what is actually covered varies greatly. Many won’t cover fences and gates. Check the fine print of your policy for more details.


Special Features

It’s worth noting that some properties, such as listed buildings or buildings with thatched or flat rooves, may require specialist cover and therefore, would not be covered by a standard policy. Many providers do offer the specialist cover needed so make sure you find the right cover for your property.