esure home insurance

Choose from three types of five-star Defaqto rated home insurance: esure contents, buildings, or combined home insurance.

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Why choose esure home insurance?

With more than two million customers using its insurance products, esure prides itself on its helpful and friendly customer service.

Perhaps this is why more than 17,000 customers have scored it 4.3 out of five on Trustpilot ^.

It has also received a five-star rating from Defaqto for five years in a row.

esure buildings and contents insurance policies have also been awarded five stars by Moneyfacts in 2022.

While its high ratings are reassuring, you should use these along with your own research and comparisons to buy a policy that’s right for you.

esure home insurance

esure home insurance facts

With esure home insurance your home and possessions will be covered against damage or loss relating to situations like fire, theft, or extreme weather damage.

You can choose from three types of cover:

  • Contents insurance
  • Buildings insurance
  • Combined cover - Buildings and contents insurance in one policy

Your esure home insurance also includes:

  • New for old contents cover
  • An unlimited amount of buildings cover, even if you need to rebuild your whole house
  • Cover for locks and keys
  • Up to £2 million in property owners’ liability cover
  • 24-hour claims line
  • UK based call centres

How do I get in touch with esure?

You can visit esure and use the live chat service

Or you can speak to the esure customer service team on: 0345 045 8000

Lines are open:

  • Mon to Fri: 8am - 8pm
  • Sat: 9am - 5pm
  • Sun: 9am - 2pm

What does esure home insurance cover?

esure home insurance is designed to protect your home and its contents from loss or damage from unexpected events. These include:

  • Fire
  • Theft or attempted theft
  • Storm or flood
  • Malicious damage
  • Lightning and smoke
  • Subsidence
  • Earthquake and explosion

Home insurance isn’t a legal requirement, but it’s worth considering whether you’d be able to cover the costs of repairs or replacements without having cover in place.

What does esure buildings insurance cover?

Buildings insurance from esure is designed to protect the structure of your home so that you’re not left out of pocket if there’s damage from an unexpected event.

esure buildings insurance cover includes:

  • Alternative accommodation up to £75,000
  • Unlimited buildings cover
  • Cover for locks and keys up to £1,000
  • Property owners’ liability cover up to £2 million

What does esure contents insurance cover?

This covers the contents in your home, plus carpets and curtains, from loss or damage caused by unforeseen events.

esure contents insurance protects your belongings by providing:

  • New for old contents cover - replacing all covered items with new ones
  • Up to £2,000 cover for garden contents
  • Cover of up to £750 for loss or theft of cash
  • Up to £5,000 for student cover in university halls or boarding schools
  • Special events cover which provides up to an extra 15% of the contents sum insured
  • Up to £10,000 for home office equipment cover

What optional extras are available?

You can boost your cover with esure by taking out optional add-ons to tailor your policy to suit your needs.

esure home insurance optional extras include:

Accidental damage

You can add this to your contents or buildings insurance to cover the costs of repairs or replacements that are needed as a direct result of an accident.

Family legal protection

This provides access to expert lawyers and pays for up to £50,000 of legal costs for you and your family. This could be used for employment tribunals and personal injury damages, for example.

Home emergency cover

To help with any home emergencies you’ll be provided with a 24-hour helpline and esure will arrange for a tradesperson to visit your home and carry out repairs, up to a cost limit of £500, including VAT.

Personal possessions cover

If you want your items to be covered when you take them away from home, this can be used to protect your belongings when you’re out and about.

Pest cover

This can help with the costs you might face if you’re experiencing an infestation. You’ll be covered for exterminations costing up to £150.

How much does esure home insurance cost?

This will depend on the type of insurance you take out, including any optional extras you choose to add to your policy. Other factors that will be taken into consideration when calculating your premiums are:

  • Where you live
  • The security of your house
  • When you last made a claim
  • The value of your home and belongings that you want to insure

Who is esure?

In 2000, Sir Peter Wood created esure - an insurance provider designed to make it easier and more affordable for customers to take out cover.

By effectively using online services and UK based call centres, esure is now one of the major insurance providers in the UK and has more than two million customers.

Providing home insurance, car insurance and multicar insurance, esure has won numerous awards for its cover and online services and is known for its great value products.

Frequently asked questions

In December 2018, esure Group was bought by Blue (BC) Bidco Limited - advised by Bain Capital Private Equity.

esure home insurance is underwritten by esure Insurance Limited. The cover for family legal protection is underwritten by AM Trust Europe Limited. The home emergency and pest covers are underwritten by Inter Partner Assistance SA (IPA).

This will depend on what caused the leak. For example, if your home’s flat roof springs a leak because of poor maintenance, or wear and tear, you won’t be covered.

esure home insurance also won’t pay for loss or damage that’s caused by an escape of water from guttering, rainwater downpipes, roof valleys, gullies or overflows.

Find out more about home insurance and roof repairs.

While there’s a small charge for calling esure’s customer service line, you can also contact esure for free by:

  • sending an email
  • using the 24/7 chatbot service
  • having a live online chat with an esure specialist, available during operating hours

You can do this by calling the esure customer service helpline on 0345 045 8000 or you can visit the website for an online quote.

You’ll need to provide some details about yourself and your home, including:

  • Your name, date of birth, phone number and occupation
  • Your postcode
  • History about your home and you as a homeowner
  • Information about your home, including the type of property and number of bedrooms

It’s also simple to compare esure quotes with us and see how much you can save.

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Relevant guides:

Home insurance guides

^ Trustpilot data correct as of 10 February 2022.