Compare home insurance

Protect your home and possessions from as little as £180 a year[1]

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Better protect what’s important

Home insurance can cover everything from your flooring to your furniture. Compare with us today and we’ll help you find cost-effective home insurance prices from top UK insurers.

What does home insurance cover?

Home insurance protects you from things like fire damage to your home, or theft of your belongings. It'll pay out to replace your property or repair your house if something unexpected happens.

It comes in two parts – buildings insurance and contents insurance – which can be bought individually or together as a single policy.

Buildings insurance

Buildings insurance covers damages to the structure of your home and its permanent fixtures and fittings. This includes things like your windows, flooring, walls and roofs. Garages, sheds and fences may be covered too.

It'll cover you for unexpected damages like fire, storms and floods, but not for damages caused by poor workmanship or general wear and tear.

Contents insurance

Contents insurance covers you for the loss, damage, or theft of your personal possessions and valuables. This includes things like your electricals, appliances, furniture and jewellery.

Individual items are only covered up to a certain amount. You'll see this called a 'single item limit', and it's usually £1,000. If you have possessions worth more than the single item limit, list them separately on your policy.

Combined insurance

A combined buildings and contents insurance policy covers the structure of your home and your belongings.

If you need both, then taking out one policy with the same provider usually works out cheaper.

It can make things simpler if you need to make a claim too. For example, if there’s a fire it’ll be far easier reporting it all to one insurer instead of two.

Details you’ll need to get a quote

When you compare quotes with us, it’s a good idea to have some details about you, your home and your possessions at the ready. We’ll need to know things like:

  1. Property details

    The type of property, number of rooms and the value of your contents

  2. Personal details

    Where you live, any dependants you have and details of previous claims.

  3. The cover you want

    Whether you want buildings and/or contents insurance and any additional extras

Looking for something else?

If you need something more specific than standard buildings and contents insurance, there are plenty of different types of home insurance available.

  • Renters insurance

    Renters insurance is home contents insurance, but for tenants. Renters don’t need buildings insurance – that’s the landlord’s responsibility.

    Renters insurance
  • Landlord insurance

    If you let a property, you’ll need the right insurance to look after the occupiers of the property - and the building itself.

    Landlord insurance
  • Unoccupied home insurance

    If your property is left unoccupied for an extended period of time, you may need specialist unoccupied home cover..

    Unoccupied home insurance

How to keep the cost of your policy down

Shopping around for quotes every year isn't the only way to save.

Our home insurance expert, Ryan Fulthorpe, has five more tips that could help keep costs down:

  1. Improve your home security

    Get insurer-approved locks for your home, as well as smoke and burglar alarm systems

  2. Look out for admin costs

    Check for hidden expenses on home insurance. A more expensive policy could work out cheaper when admin fees are factored in

  3. Don't over-insure

    Overestimating the value of your contents and the rebuild cost of your home will increase your premium. But if you're in any doubt, it's better to overestimate than underestimate

  4. Only pay for what you need

    You'll be offered a variety of optional extras when you apply for home insurance. Remember the best home insurance policy for you is one that offers the cover you need at an affordable price

  5. Pay annually

    With monthly payments, you'll have to pay interest and sometimes a finance arrangement fee, so it'll be more expensive

How much does home insurance cost?

The average price paid by our customers for a combined home insurance policy is just under £180 a year.*

Individual cover is cheaper, but you won’t get the same amount of cover as you would with a combined policy.

Your own quotes will depend on how likely the insurer thinks you are to make a claim, the value of your building or contents and the level of cover you choose.

Insurers use a whole host of factors to price your insurance - home security, risk of flooding and subsidence could all increase or decrease the cost.

Find out more about the costs of home insurance >

cost of home insurance

Over 900 home insurance customers rated us on average[2]

4.7 out of 5

on Trustpilot

Reviews from our customers

Here’s what some of our customers had to say about our service:

Quick simple got the cover I wanted at a very good price

Very easy to complete the online application with all relevant information and then clearly see the most competitive prices.

Excellent service every time.

Absolutely excellent very cheap insurance

Home insurance companies we work with

We search for quotes from over 65 UK home insurers[3] including:

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  • Swinton logo

Customise your policy with optional extras

You can add upgrades to your home insurance policy if you need them. You’ll have to pay extra for them, so think about whether they’re worth the extra cost.

Accidental damage cover

This'll cover you for claims due to accidents in the home like a spilt glass of wine on a rug or a smashed window. Damage caused by children is usually included, but rarely pets and amateur DIY.

More about accidental damage cover >

Home emergency cover

This’ll protect you against things like boiler breakdowns, electrical failure and blocked drains. It’ll cover the cost of calling out an approved tradesman to get your services up and running again, as well as any replacement parts needed.

More about home emergency cover >

Legal expenses cover

Help for the costs of being sued and/or making a claim against someone else. Personal injury claims and property disputes with neighbours are times you may need to use it.

More about legal cover and home insurance >

Personal belongings insurance

Standard contents insurance will only cover your items while they’re in your house. If you want cover when you're away from home, you’ll need personal belongings insurance.

More about personal belongings insurance >

Page last reviewed: 08 Septrember 2021
Next review due: 08 December 2021

[1]The average price paid for home insurance annually through GoCompare in March 2021, by type.

[2]Based on Trustpilot: Our average rating of 4.7 out of 5 is from 915 people who left a review for home insurance comparison only. Last checked 07 September 2021.

[3]As of June 2021, there are 68 active home insurers on the panel at GoCompare

[4]Median best annual buildings and contents insurance premium returned from all customers quoting between 1 July 2021 and 30 September 2021 through GoCompare.

^Based on independent research by Consumer Intelligence during 01 May to 31 May: 51% of consumers could achieve a saving of up to £107.99 with buildings and contents insurance based on a comparison of 36 companies.

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