Best home insurance
Based on 11788 reviews
Admiral provides home insurance at different cover levels across the UK.
Hastings Direct have three different home insurance policies to choose from with varying levels of cover. Opt for Hastings Essential, Hastings Direct or Hastings Premier. You can choose optional home...
LV= offer three levels of home insurance cover: Essentials, Home and Home Plus. Essentials is the most basic cover. LV= Home and Home Plus have additional cover with some optional extras...
Voting in the Insurance choice awards is open - Vote here
Voting in the Insurance choice awards is open - Vote here
Tesco Insurance give Clubcard holders a discount on their home insurance policies. Tesco home insurance provides unlimited building cover as standard and contents cover of up to £100,000. You can...
Direct Line have two home insurance products to choose from. The Home Insurance option is a standard policy. Direct Line’s Home Insurance Plus policy includes all the features of the Home...
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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.
esure have two home insurance options to choose from (esure Flex Home Insurance and esure Home Insurance). You can increase the cover for your esure home insurance policy by choosing optional...
Churchill have two home insurance products to choose from. The Home Insurance option is a standard policy. Churchill’s Home Plus policy includes all the features of Home Insurance but with extras...
AA have three different home insurance policies to choose from with varying levels of cover. Opt for Silver, Gold or Platinum. You can choose optional add-on cover including accidental damage,...
Urban Jungle offer standalone buildings and contents policies or a combined home insurance policy. You can add extra cover for an additional cost for home emergency and accidental damage. With...
The Aviva Signature home insurance policy combines buildings and contents cover. Aviva Signature home insurance replaces damaged items with new ones, or pays for them to be restored, repaired or replaced....
The Halifax Home Insurance Select policy is underwritten by Lloyds Bank General Insurance Ltd. Halifax only ask you a handful of questions, so you get a quote faster. Choose from...
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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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