Compare quotes for over 50s home insurance
Home insurance tends to be cheaper as you get older because you’re perceived as less of a risk by insurers because you’re:
Some insurers do specialise in providing over 50s with home insurance, such as RIAS, Saga and Age Co (formerly Age UK). This means you might get access to specialised deals and discounts.
You might be offered a higher amount of contents or building cover or have a longer unoccupied home period so you can take longer holidays.
Some insurers will offer cover for specific items that you’re more likely to have as you age, for example a mobility scooter. Generally though, the cover offered to over 50s isn’t much different to a home insurance policy offered to someone younger.
If you moved to a new house and would take something with you - such as your kettle or TV - it’s likely included in your contents cover. If it’s something you’d have to leave behind - like your bathroom suite or kitchen cabinets - it’s covered under the building's aspect.
You can also get add-ons to your home insurance cover. These are optional and cost a little extra, but can include:
No, it’s not a legal requirement to have home insurance. However, it’s worth considering for peace of mind as it may be cheaper paying for insurance than having to pay to repair, replace or rebuild your home and its contents.
Buildings insurance may be a requirement of a mortgage though.
Buildings insurance for your retirement home will usually be organised by the owner or organisation of it. You might want to consider contents insurance though, to protect your belongings.
Yes, it usually can, provided your mobility scooter or electric wheelchair isn’t licensed for road use. Some policies will even cover things like stair lifts, hoists ramps and other mobility aids you have in your home - but check the cover to make sure.
If you use your mobility scooter at home, it’ll be covered under contents insurance. Using it outside your home means you’ll have to check it’s included under the policy’s personal possessions cover.
 Average price paid for home insurance by age purchased through GoCompare in October 2020.