Best home insurance
Based on 11788 reviews
Admiral provides home insurance at different cover levels across the UK.
Admiral home insurance is available in three cover levels. You can personalise your cover with optional extras, some are covered automatically under the Admiral Platinum and Admiral Gold home insurance...
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Policy Expert home insurance policies are available in three levels of cover – bronze, silver and gold. You can get a quote and manage your Policy Expert home insurance policy...
Voting in the Insurance choice awards is open - Vote here
Voting in the Insurance choice awards is open - Vote here
NFU Mutual home insurance policies can be bought as standalone buildings and contents or both together as a combined policy. They reward loyalty through Mutual Bonus, a saving when you renew...
What is this award?
The Best British insurance company 2025 award is part of the Insurance choice awards. Measured by consumer feedback that recognise businesses that are doing brilliant things for financial services customers.
This company has won:
- Best British insurance company 2025
- Best health insurance provider 2025
Saga provides home insurance policies that can cover buildings only, contents only or both combined. Saga offers two levels of cover, Saga Plus and Saga Select. With Saga Plus, you can...
At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.
We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.
It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.
Homeprotect home insurance policies are underwritten by AXA insurance. With a Homeprotect home insurance policy, basic legal expenses and home emergency cover are included as standard. You can buy a...
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Lemonade provides home insurance policies. You can choose from separate buildings and contents insurance or a combined home insurance policy. Cover is available whether you buy or rent your home...
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What is this award?
The Best British bank 2026 award is part of the British bank awards. Measured by consumer feedback that recognise businesses that are doing brilliant things for financial services customers.
This company has won:
- Best current account provider 2026
- Best British bank 2026
- Best children's financial provider 2026
- Best British bank 2025
- Best banking app 2025
- Best children's financial provider 2025
Monzo contents insurance is available for Monzo current account holders, whether you’re a homeowner or a renter. You only need to answer five questions and you can personalise your Monzo contents...
24|7 Home Rescue Home Emergency Cover protects landlords and homeowners against unforeseen emergencies. Cover can include protection for things like blocked drains, electrical failures, boiler breakdown, central heating system issues...
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Privilege offers standard home insurance and platinum home insurance which offers more coverage. You can add extra cover for an additional cost for personal possessions, accidental damage, home emergency and...
Selecting your new home insurance provider can be difficult with so many on the market. At Smart Money People, we want to simplify the process for you. We collect Sheilas’...
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Frequently asked questions
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Do you need home insurance?
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If you have a mortgage, you usually need buildings insurance as a condition of the loan. If you own your home outright, it's not a legal requirement. But it's highly recommended as you'll be protected from the cost of repairing or rebuilding after events like fire, flood or storms. If you rent your home, your landlord is responsible for buildings insurance but you'll be responsible for buying the contents insurance.
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What does home insurance cover?
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Home insurance typically covers two things: the structure of the building (buildings insurance) and the contents inside it (contents insurance). Most home insurance policies cover events like flooding, fire, storms, theft and vandalism. Accidental damage cover is often available as an optional add-on. You can buy buildings and contents insurance separately or as a combined home insurance policy.
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Is home insurance the same as building insurance?
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No, home insurance isn't the same as building insurance. Home insurance provides protection for your home's structure and contents, building insurance only covers the structure. A landlord might buy building insurance for a property they rent out, while their tenants are responsible for buying contents insurance to protect their personal belongings and appliances.
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How much does home insurance cost?
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The cost of home insurance varies depending on the value of your property, the value of your contents, where you live, the level of cover you choose and your claims history. On average, combined buildings and contents insurance costs between £150 and £300 per year for a typical UK home, though premiums can be higher for high-value properties or areas at greater flood or crime risk.
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Can I compare home insurance online?
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Yes, comparing home insurance online is the quickest way to find the best deal. Our rankings above are based on real customer reviews, showing you which home insurance companies are rated most highly for claims handling, customer service and value. For price comparison, you can also use a comparison site to see quotes from multiple providers side by side.
Best home insurance
Compare the best home insurance providers with verified customer reviews. Discover first-hand experiences, from claims handling to overall customer service, and gain the clarity you need to make confident, informed decisions. Use these insights to effectively protect your home while ensuring your coverage is both comprehensive and cost-efficient. Whether you need buildings insurance, contents insurance or combined home insurance, find the best rated home insurance for your needs.
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