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Bungalow insurance

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Insuring your bungalow

A bungalow is just a single-story house, so if you live in one you’ll need home insurance, just as you would for other types of home. 

When insuring your bungalow, consider whether you need buildings insurance, contents insurance, or a combined policy for both - which can work out cheaper than buying separately.

Bungalow insurance

How to get cheaper bungalow insurance 

There are a few things you can try to save money on insuring your bungalow

  1. Improve your security 

    Bungalows can be easier to break into - so fit burglar alarms and make sure you keep windows locked when you’re out

  2. Fit smoke alarms

    Fires could spread quickly through a single-storey home. As well as keeping you safe, this could help you get cheaper premiums

  3. Look after your home 

    Bungalows are usually compact and easier to maintain, so keeping it in good order could make it less likely that you’ll need to make a claim

  4. Shop around

    Always compare quotes to see if you can get a better policy with another provider

You can find more ways to save money on your home insurance here.

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 such as leaving a laptop on a train or accidental damage, such as spilling wine on your carpet or drilling through a pipe.

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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.

gio compario home insurance

Is home insurance for bungalows cheaper than for houses? 

Not necessarily. Your premiums will be based on a number of factors. One of those is how much it would cost to rebuild your bungalow, which might be cheaper than a standard home, because it's only on one storey.  

But on the other hand, your bungalow could be seen as more of a security risk because it'll be easier for thieves to access one floor than two. You might also be more at risk of flood damage as well as fire damage because all of your belongings will be on one level. All of these things could push the price of your bungalow insurance up.  

You can limit flood risk and damage but returning to a bungalow after a flood might take longer. That’s because the whole house could be damaged, whereas the upper floors of a standard house might be spared.  

Dormer bungalows with flat roofs can be trickier to insure too - you might need to find a specialist to cover you. 

How to buy bungalow insurance

It takes minutes to get bungalow insurance with us. All you need to do is give us a few details:

  1. Info about your property

    For example, how old it is and what type of locks you’ve got

  2. Rebuild value

    We’ve got a guide that can help you calculate the rebuild cost

  3. How much your possessions are worth

    Use our contents calculator to work that out

  4. Details about your current policy 

    Whether you’ve got a no-claims bonus, or details about past claims

  5. Who lives with you 

    And how often they’re at home

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