Home insurance

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[1]25% could save up to £111.48

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[1]25% could save up to £111.48

[2]Dine membership, please read our terms and conditions and FAQs page

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[2]Dine membership, please read our terms and conditions and FAQs page

Over 2,250 home insurance customers rated us on average


Over 2,250 home insurance reviews on reviews.co.uk[†]

Real customer reviews

I got a great deal for house/contents insurance and saved £100

Easy to navigate and very good layout and it helped me save £70.00 on my contents insurance, which makes me very happy.

Great service. Got insurance quick and hassle free. Looking forward to using the free dine club.

Managed to insure my property for half the cost of my present insurer's renewal price.

Simple to use. My house insurance quote was £300 cheaper than my original quote.

Comparable offers enabled me to make decision on placement of home and contents insurance and made saving over existing provider.

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GoCompare data September 2017 to September 2018

What's home insurance?

Home insurance is protection against things like fire and theft that damage your home or your belongings.

It’s made up of two features, buildings insurance and contents insurance, which can be bought individually or combined.

You might also see it called house insurance, it’s all the same thing.

What’s the difference between contents insurance and buildings insurance?

Basically, if it’s something you’d take with you when you moved house it’s classed as contents, if it would stay behind – it’s buildings.

  • Buildings insurance

    Protects the structure of your home and its permanent fixtures and fittings, things like fitted kitchens and toilets.

    Get a building quote
  • Contents insurance

    Covers your personal possessions and valuables against accidents, theft and loss.

    Get a contents quote

What do I need to get a home insurance quote?

Just pop in a few details. Here’s our quick checklist of what you’ll need:

  1. Details about your property

    When it was built, if you have a flat roof, type of lock on the front door

  2. The rebuild value of your home

    If you’re not sure, then we’ve got a guide on how to estimate rebuilding costs

  3. The value of your personal belongings

    No need to fret, we've got a How to estimate how much contents insurance you need guide and a contents calculator too!

  4. Info on your current home insurance

    If you have a no claims bonus or what you claimed on insurance in the past

  5. Number of occupants

    and when they're usually at home

In 2017, 56% of householders said they had last switched more than a year ago, potentially missing out on cheaper premiums
Based on a survey of 1,949 randomly selected UK adults, conducted on behalf of Gocompare.com by Populus between 16 May, 2017 and 21 May, 2017

Do I need home insurance?

Home insurance can protect your property and what's inside it, depending on whether you have buildings insurance, contents insurance or both.

Unlike car insurance, there’s no legal requirement to have home insurance but it’s a good idea to have some form of insurance in place.

Also, if you have a mortgage, your lender will insist you have buildings insurance.

How much is home insurance?

You can compare quotes to find out exactly how much you'll need to pay for your home. However, if you’re after an estimate, the average combined buildings and contents policy quote was £163.06 in August 2018, according to The AA’s British insurance premium index.

How do I make my home insurance cheaper?

Here are 12 things that might help lower your premiums:

  1. Improving your home security

    Get better locks and or an alarm system

  2. Install smoke alarms

    Fit smoke alarms on every floor of your home

  3. Join Neighbourhood Watch

    …if a scheme is active nearby

  4. Maintaining your property

    Insulate your pipes in winter, fix guttering and roof tiles, keep trees and foliage in check

  5. Increasing voluntary excess

    If you claim, you have to pay an excess. Increasing this can reduce your quote prices. Just remember to make sure you can afford the higher excess should you need to make a claim

  6. Compare next year

    Watch out for your renewal date and shop around before your insurer auto-renews your policy

  7. Pay annually

    Pay annually rather than monthly and you could save money

  8. Check rebuild cost

    Don't overestimate the rebuild cost of your home

  9. Watch out for admin costs

    Check for hidden expenses on home insurance and weigh up whether a slightly more expensive policy works out cheaper when admin fees are factored in

  10. Protect your no-claims discount

    Decide whether you could pay for a small claim yourself. It may be cheaper to preserve your no-claims discount in the long run

  11. Combine cover into one policy

    Choose a buildings and contents insurance policy if you need both

  12. Compare home insurance

    Compare home insurance quotes before committing to a policy

The best way to save is to always shop around

94% would recommend us

94% of our 2,333 customers on reviews.co.uk would recommend us[†]

Types of home insurance

Just as there are lots of different types of homes in the UK, there’s lots of different types of home insurance covering them too. There’s also all sorts of extras that you can add to your policy. Here’s our round-up of some of the alternative kinds of home insurance…

Buildings insurance

Buildings insurance protects the permanent structure and fittings of your home. It basically covers anything you wouldn’t take with you when moving house, for example, the windows and walls, as well as things like fitted kitchens and toilets.

Find out more >

Contents Insurance

Contents insurance covers your personal possessions and valuables against accidental damage, theft and fire. This includes items like televisions and electricals, household goods and furniture.

Find out more >

Tenants' insurance

Tenants’ insurance is pretty similar to home contents insurance, just for renters instead.

Your landlord should take care of the buildings insurance.

Find out more >

Landlord insurance

When you're letting, the tenants and the property itself will be your priority. And that's where landlord insurance comes in.

Get cover for buildings, contents, accidental damage, landlord liability, and/or alternative accommodation.

Find out more >

Student home insurance

Living in halls or in a house share? Then there’s special student insurance policies on offer but you can also look at standard contents insurance too.

Find out more >

Flat insurance

Flat insurance comes in two parts – buildings and contents. It can often be arranged through a communal policy with other residents in the building. If you own the flat, you’ll want to look into flat insurance, but if you’re renting, then it’s probably the landlord’s responsibility, although you may want to take out contents insurance for your personal belongings.

Find out more >

Holiday home insurance

Regular home insurance policies are unlikely to cover a second home, which may be left unoccupied for long periods of time and could be subject to additional risk factors if the property's let out. There are specialist holiday home insurers who can offer you quotes, though - try our dedicated holiday home insurance guide.

Find out more >

New build home insurance

Even though it’s fresh out the box, it’s still a good idea to get some protection and cover with a new build home insurance policy. But also make sure your new home has a guarantee from the builder that offers a fixed period during which you can raise any issues or snags.

Find out more >

Listed building home insurance

You’ll need to tell your insurer if your home is listed - our forms help you make the appropriate declaration.

You may find your choice of insurers more limited.

Make sure you declare an accurate rebuild value.

Find out more >

Non-standard home insurance

If your home is not a standard build, i.e. brick walls with a tile roof, you may require specialist home insurance. Features such as flat roofs or thatched roofs are widely viewed as non-standard by insurers.

Find out more >

Gadget insurance

Gadget insurance provides cover for items including mobile phones, laptops, cameras, tablets, music players, eReaders and GPS devices, which can be expensive goods. Your home insurance policy may already offer gadget insurance - check your policy so you don't double up on cover.

Find out more >

Jewellery insurance

Protect watches, engagement rings, wedding rings and other precious jewellery.

Jewellery, watches and valuables can be covered for theft under your home contents insurance or by a separate jewellery insurance policy.

Make sure expensive jewellery is covered by single-item limits.

Find out more >

Home appliance insurance

A huge variety of goods can be covered by household appliance insurance, with typical items including cookers, microwaves, music systems and washing machines. Home appliance insurance could be a cheaper alternative to purchasing extended product warranties.

Find out more >

Frequently asked questions

  • Does my home insurance cover my contents outside the home?

    Policies may include cover for certain possessions when you leave your home - such as jewellery, keys and mobiles phones - as standard. However, it’s best to specify if you want to cover your possessions away from home when taking out a policy.

    Items such as bicycles, laptops, or any items over £1,000 need to be individually listed to be covered for claims involving accidental damage or loss.

  • Does home insurance cover accidental damage?

    Not all home insurance policies include accidental damage, so it’s important to check before choosing a deal. It could be possible to purchase accidental damage as an optional extra if you want complete peace of mind, particularly if you have children - but pet damage won't be covered by most policies.

  • Is a leak covered by home insurance?

    It can be. Frozen and burst pipes are a major source of home insurance claims, but cover varies enormously from policy to policy. You may also want to check if you have trace and access cover on your home insurance, as this can be invaluable if you need to find and repair a leaking pipe.

  • How do I make a home insurance claim?

    Here’s the four stages on making a claim on your home insurance:

    If you're burgled, first call the police for a crime reference number.

    Next, ring your insurer's hotline to submit a claim.

    Collect receipts and take photos as evidence of your claim.

    If repairs aren't urgent, make sure your insurer agrees to any work beforehand.

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