If you’ve found yourself needing to work from home because of Coronavirus, most insurers cover office work from home, and your employer should have insurance for any equipment they’ve sent you home with.
For new quotes, if you think things will be different over the next twelve months, update your details. For example, if you’re going to be home during the day more often than before.
Just mind you don’t under insure yourself for the future. It’ll probably cost you more to make changes to your policy later in the year too.
Consider whether you need add-ons like ‘cover away from home’ too. If you’re not planning to take expensive kit out of your home, it could be an added expense you don’t need.
If you’re struggling to keep up with your home insurance payments because your financial situation has changed since Coronavirus, talk to your insurer. They can help you make your premiums more affordable.
Home insurance isn’t mandatory, but it’s a good idea to have some protection in place. Think about whether you could afford to replace your home or possessions if the worst happened.
If you have a mortgage your mortgage provider will insist on having buildings insurance as a condition of the loan.
Insuring your belongings is a more personal decision. Again, you’d have to find the money to replace your things if something happened and you didn’t have contents insurance.
If you rent your property, you won’t need buildings insurance - that's your landlord's responsibility.
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 unforeseen happens.
Home insurance comes in two parts, buildings insurance and contents insurance, which can be bought individually or together as a single policy.
If it’s something you’d take with you if you moved to a new house, it’s classed as contents. If it would stay behind, it’s probably buildings.
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.
Each insurer covers risks to your home differently, so check you’ve got the cover you need on the policy you choose. Look at how insurers treat fallen trees, leaking roofs or damp, for example.
Contents insurance covers you for the loss, theft or damage of your personal possessions and valuables. This includes things like your furniture, kitchen appliances, electricals, clothes, jewellery and ornaments.
Exact cover can vary so it's worth checking your policy. You may not be covered for accidental damage for example.
Single items are only covered up to a certain amount. You'll see this called a 'single item limit', and it's usually £1,000.
That means if the cost of your claim for one item exceeds the limit, you'll usually have to cover the remaining cost yourself.
If you have items worth more than the single item limit, list them separately on your policy to have cover for their full value. Things like jewellery, mobile phones and bicycles generally need listing separately on your policy.
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.
You can add optional extras 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.
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.
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.
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. The amount of legal cover you can claim varies a lot, and you aren’t guaranteed legal help. Check the small print and look out for exclusions.
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. Policies can provide damage, loss and theft cover for things like jewellery, bicycles and mobile phones.
Find quotes by answering a few details about you, your home and your possessions.
The type of property, number of rooms and a few structural details.
Your occupation, any dependents you have and details of previous claims.
The amount it would take to rebuild the property if it was demolished.
The cost of replacing the entire contents of your home as new.
What locks you have and if you have any burglar alarms or smoke detectors.
Renewing your home insurance every year with your existing insurer is almost always more expensive than switching to a new one.
It’s an easy trap to fall into – as many as 2/3 customers renew every year and end up paying more.
But you don’t have to. Compare with us and you could find cheaper quotes.
According to our data, a combined home insurance policy costs £151.50 a year.
Individual cover is often cheaper that a combined policy, but you won’t get the same amount of cover.
What it'll cost you depends on how likely the insurer thinks you are to claim, the value of your building or contents and how extensive your cover is.
They use a whole host of factors to price your insurance - home security, risk of flooding and subsidence all count.
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:
Get insurer-approved locks for your home, as well as smoke and burglar alarm systems
Check for hidden expenses on home insurance. A more expensive policy could work out cheaper when admin fees are factored in
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
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
With monthly payments, you'll have to pay interest and sometimes a finance arrangement fee, so it'll be more expensive
The value of contents on an average home insurance policy is about £46,000.
Most insurers will offer you around £40,000 cover for your contents, which for some is enough, but if you think you need more or less change it.
Take a walk around your house and look out for high-ticket items - fridges, TVs, even a wardrobe full of clothes. Your contents insurance is there to cover the cost if you had to buy those items again today.
It's important to itemise anything worth over £1,000. If you don't, your insurer won't pay more than £1,000 for it - this is known as the single item limit. Keep hold of receipts or valuation certificates for these items. Check cover limits for cash too - it's usually between £500 and £1,000 and you can't increase it.
The things we own change, and so does their value. If you buy any expensive items - like gadgets or jewellery - you’ll need to tell your insurer if you want them covered too.
The amount of buildings cover you need is based on the rebuild cost of your home. This is the amount it would take to rebuild the property if it was demolished. The figure is likely to be less than the price you'd get if you sold your home.
To find your rebuild cost you can:
Insurers will want to know what type of locks you have. It’s so they can assess how secure your home is. Your doors will probably be fitted with either a 5-lever mortice lock, or a multi-point locking system, depending on whether they’re wooden or uPVC.
Our video will help you work out which your doors are fitted with.
You can, but you’ll need to tell the insurer about any building work or home renovations that are underway or planned to take place during the policy period. Insurers need to know about:
If you don’t tell your insurer about structural building works, and something goes wrong, it’s very unlikely your insurer will help you with any of the costs, and your policy could be invalidated.
You don’t need to tell them about simpler refurbishment works, though. Things like redecorating or fitting a new bathroom or kitchen are fine to do without telling your insurer.
Insurance for properties with subsidence history can be difficult to find, so you’ll likely need to go with a specialist provider. Most policies will cover loss and damage caused by subsidence, however, they may not cover the cost of preventing further subsidence from occurring.
If your home is at high risk of flooding, it's worth looking into flood insurance. Flood Re may be able to help you find affordable home insurance, even if there’s significant risk of flooding.
Yes, but the longer the property is unoccupied for, the fewer insurers you'll have to choose from, and the higher your premiums are likely to be.
When getting a quote, you'll be asked if the property is left unoccupied for longer than 30 days. If so, whether it's for 30-45 days, or more than 45 days.
If you can't find a suitable quote or you need cover for an extended period of time, try our unoccupied property insurance guide.
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If you need something more specific than standard buildings and contents insurance, there are plenty of different types of home insurance available.
Tenants insurance is home contents insurance, but for renters. You don’t need buildings insurance – that’s your landlord’s responsibility.
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 offers cover for buildings, contents, landlord liability and alternative accommodation.
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.
This is specialist cover for holiday homes. Generally, you can't cover a second home that’s rented, or left empty for long periods of time, with standard home insurance.
The insurance you need depends on whether you’re renting, a leaseholder, or own the freehold. The block needs to be covered by buildings insurance, but that’s the responsibility of the freeholder. It’s up to you if you have contents insurance or not.
Protection for your brand-new home. Make sure you’ve also got a guarantee from the builder where you can raise any issues or snags for a fixed period after completion.
 Based on www.reviews.co.uk: 94% of customers who left a review recommended us. Our average rating of 4.6 out of 5 is from 2,335 people who left a review for home insurance comparison only. Last checked in March 2020.
 Sector Views 2020. Financial Conduct Authority. Retrieved February 2020.
 There are 70 active home insurers on the panel at Gocompare.com. Last checked July 2020.
 The insurance loyalty penalty: unfair pricing in the home insurance market. Citizens Advice. Retrieved May 2020.
 * Between 1 Jan-31 Mar 2020, 52% of customers were quoted annual buildings and contents insurance premiums of £151.50 or less with Gocompare.com. 52% of customers were quoted annual buildings only insurance premiums of £110.50 and 51% of customers were quoted annual contents only insurance premiums of £65.50 or less. Last checked May 2020.
 The average value of possessions insured on home contents insurance policies purchased via GoCompare between 1 Jan-30 April 2020 was £46,009. Last checked May 2020.
Page last reviewed: 10 July 2020
Next review due: 10 September 2020