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Home insurance


We’ll refund up to £250 of your excess if you make a claim. Excludes accidental loss or damage claims^

Wynne Evans stands inside a dotty house

What is home insurance?

Home insurance covers loss and damage to your house and household contents. For example, if your home is damaged by a flood or fire, your insurance provider could cover the cost of any repairs or replacements needed.

There are two types of home cover: buildings insurance and contents insurance. You can buy them individually or together as a combined policy.

  • Buildings insurance

    Buildings insurance covers the structure of the property and its permanent fixtures and fittings. It may also cover driveways, patios, walls, fences, and any outbuildings including garages.

    Most mortgage providers expect you to have it. If you're renting you don't need it.

  • Contents insurance

    Contents insurance covers damage or theft of your household items (e.g. your home appliances, furniture and jewellery).

    Each item is only covered up to a limited amount. You'll see this called a 'single item limit', and it's usually around £1,500 but could be higher or lower.

    Accidental damage and damage to items outside the home aren't covered as standard but can be for an extra cost.

  • Combined home 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 and can make things simpler if you need to make a claim (e.g. if there’s a fire it’ll be far easier reporting it all to one insurer instead of two).

Compare home insurance from over 65 UK insurers

We want you to find the right insurance at the right price. That's why we search for quotes from over 65 UK home insurers[3] including:

Who needs home insurance?

Home insurance isn’t a legal requirement, but it’s a good idea to have it. Think about whether you could afford to repair your home or replace your possessions if they were damaged, lost or stolen. Those who may want it include:

  • Homeowners

    It's often a condition of your mortgage to have buildings insurance. Protection of your belongings is optional. If you own your home outright, both buildings and contents insurance are optional.

  • Tenants

    If you’re renting a property, buildings insurance is the responsibility of the landlord. Your landlord's insurance won’t cover your contents though. You’ll need your own renter's insurance policy for that.

  • Landlords

    Landlords are required by law to have insurance that’ll look after the property and the occupiers. Landlord insurance will cover your buildings, contents, accidental damage, landlord liability, and alternative accommodation.

What does home insurance cover?

All buildings and contents insurance policies will include cover for fire, flooding and theft. However, each provider will have their own coverage and exclusions, so it’s important to read your policy documents to know what you’re covered for.

What’s usually covered?

  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Escape of Water
  • Theft
  • Storm and flood damage
  • Vandalism and malicious damage
  • Impact by vehicles and aircraft
  • Subsidence, heave or landslip

What’s not usually covered?

  • Gradual wear and tear
  • Negligence
  • Mechanical breakdowns
  • Damage as a result of poor workmanship or DIY
  • Loss or damage if your home’s been left unoccupied for more than 30 days

How much is home insurance?

The average price paid by GoCompare customers for a combined home insurance policy is £191 a year.[1]

Buildings-only or contents-only cover is cheaper than a combined policy, but you won't get the same level of cover.

According to our data, the average price paid for home insurance per year by cover type is:

  • Buildings and contents insurance - £191
  • Buildings only insurance - £150
  • Contents only insurance - £75

Things like the location, size of your house and previous claims can all impact the cost of your premium.

*The average price paid for home insurance purchased in July 2022 by type of cover. For buildings and contents insurance, it was £191. For buildings insurance only, it was £150. For contents insurance only, it was £75.

graph of home insurance cost by cover type

Free £250 home excess cover, only with GoCompare^

If you need to claim on your home insurance - for example, if your building is damaged by subsidence or your possessions are stolen - your free home excess cover will refund up to £250 of your excess.

There’s no hidden charge. But you won't be covered for things like accidental loss or damage.

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^UK residents and home insurance purchases only. Excess refunded after claim settled. Excludes accidental loss or damage claims made on your home insurance. Full T&Cs apply.

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How can I get cheaper home insurance?

Here's eight tips that could help keep the cost of your premium down:

  1. Shop around for quotes - In the last year, 77% of people didn’t switch their home insurance to a new provider, potentially missing out on cheaper premiums.[4]
  2. Buy 29 days before your policy ends - Our research shows it’ll cost around 16% less than it would to buy it the day before your existing policy renews.[5]
  3. Improve your home security - Get insurer-approved locks for your home, as well as smoke and burglar alarm systems.
  4. Regularly maintain your home - Staying on top of things and getting repairs done early can save you money in the long run.
  5. Build your no-claim discount - For every year you don't make a claim, you'll likely reduce the cost of your premium.
  6. 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.
  7. 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.
  8. Pay upfront - With monthly payments, you'll have to pay interest and sometimes a finance arrangement fee, so it'll be more expensive.

Check out more tips for cheaper home insurance.

Over 2500 home insurance customers rated us on average[2]

4.8 out of 5

on Trustpilot

What affects the cost of my home insurance?

The cost of your premium will depend on how likely the insurer thinks you are to make a claim and how much that claim could potentially cost them. Insurers use a whole host of factors to calculate your insurance including:

  • Size - The bigger your home, the more it’ll cost to insure.
  • Location - Affluence, crime rates and the likelihood of flooding can affect the cost of your cover.
  • Age - Homes that are older, such as listed buildings, are more likely to have unique features or building materials that are hard to replace. They may also have older electric and plumbing systems.
  • Security - Good home security can mean insurers view you as less of a risk, which may get you cheaper quotes. Consider protecting your home with secure door and window locks, burglar alarms and smoke detectors.
  • Building materials - If you have a non-standard home, it could cost more to rebuild. Even thatched or flat roofs can be considered more of a risk.
  • Value of possessions - If you have lots of valuable contents to insure, this will cost you more.
  • Add-ons - Extra cover like accidental damage and home emergency cover isn’t always included as standard, so adding this will up the price.
  • Claims history - If you’ve not claimed recently – or ever – you could be offered a no claims discount.
  • Rebuild cost of your home - Rebuilding your home if it’s listed, has lots of rooms and unique building materials will cost more, leading to pricier insurance.

Top tip from our expert

Check your policy in advance of bad weather to understand what's covered. If your home's affected, make a note of the time and date so you can inform your insurer should you need to claim. Many policies will specify what they deem a weather-related incident, so writing down details of the situation will help if you need to claim. Taking photos or a video of the damage - if safe to do so - can be useful to support your claim too.

A storm can highlight problems with your home due to lack of maintenance or wear and tear. If your roof wasn't in the best state and damage occurs during a storm or high winds which wouldn't have happened if the roof had been properly maintained, then it's like you would not be covered for this.
Ceri McMillan - GoCompare Home Insurance

What details do you need to get a quote?

Find quotes by answering a few details about you, your home and your possessions

  1. Property details

    The type of property, when it was built, distance from water and any previous history of flooding or subsidence.

  2. Personal details

    Things like your date of birth, the number of people in your home, whether you’re away for long periods of time and details of previous claims.

  3. Home security details

    What locks you have and if you have any burglar alarms or smoke detectors.

  4. Rebuild cost of your home

    The amount it would take to rebuild the property if it was demolished. This is usually less than the market value.

  5. Value of your household contents

    The value of the entire contents of your home. We've got a contents calculator to help you work this out.

Reviews from our customers


Competitive rates at the touch of a button.

Mrs Valerie Mansfield


Thank you Go Compare for helping me to get a home insurance quote at half the price of my previous provider with much higher cover



Excellent saved us a fortune on what we were paying for the same overall cover

Mark H


I could not believe it when my renewal premium was almost THREE TIMES what I'd paid last year for my house insurance so I was delighted that, after using Go Compare, I am actually paying less this year for exactly the same cover.


About Go.Compare

Go.Compare is a UK price comparison website that lets you compare the cost and features of a wide variety of insurance policies, financial products and broadband deals from a network of trusted partners.

We’re committed to helping you find the right product at the right price. When we launched in 2006, we became the first comparison site to display policy details and provider ratings rather than just listing prices. We're also the only comparison website to be invited to join the British Insurance Brokers’ Association (BIBA) and we're authorised and regulated by the Financial Conduct Authority (FCA).

Our product comparisons are unbiased. We don't charge you to use our services, and we don't accept advertising or sponsored listings. Instead, we make money from the providers that appear on our site, who pay us a fee when you buy through us.

You can find out more about Go.Compare on our about us page or if you have a question, get in touch.

Join over 900,000 customers getting a home insurance quote with GoCompare each year[8]

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[8]Based on GoCompare home insurance quotes made between 1 November 2021 and 31 October 2022. Excludes customers where no quote was returned and test quotes.

Page last reviewed: 02 November 2022
Page next review: 02 February 2023
Page reviewed by Ceri McMillan

^UK residents and home insurance purchases only. Excess refunded after claim settled. Excludes accidental loss or damage claims made on your home insurance. Full T&Cs apply.

[1]The average price paid for home insurance purchased in July 2022 by type of cover. For buildings and contents insurance, it was £191. For buildings insurance only, it was £150. For contents insurance only, it was £75.

[2]Based on Trustpilot: Our average rating of 4.8 out of 5 is from 2749 people who left a review for home insurance comparison only. Last checked 02 November 2022.

[3]As of August 2022, there are 66 active home insurers on the panel at GoCompare

[4]Figures based on a survey of 2091 randomly selected Great British adults was executed by Maru/Blue conducted between 16th-19th September 2022. For comparison purposes, a probability sample of this size has an estimated margin of error (which measures sampling variability) of +/- 2.1%. The results have been weighted by age, gender, region and social grade to match the population, according to Census data. This is to ensure the sample is representative of the entire adult population of Great Britain. Discrepancies in or between totals are due to rounding.

[5]Average price paid annually for buildings and contents insurance returned from all customers quoting in July 2022 through GoCompare.

[6]According to data from GoCompare, 9060 customers stated previous claims for escape of water when they compared quotes between 1 August 2022 and 31st October 2022.

[7]The average value of household possessions on combined home insurance policies bought through GoCompare in July 2022

[8]Based on GoCompare home insurance quotes made between 1 November 2021 and 31 October 2022. Excludes customers where no quote was returned and test quotes.