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Churchill Insurance: Home Insurance reviews

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4.01
Based on 155 reviews, last reviewed 3rd Apr 2025
No new 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
63%
See only 4 star reviews
19%
See only 3 star reviews
5%
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2%
See only 1 star reviews
11%

Latest highest rating:

5

Water leak Had two severe water leaks in the garden. Churchill arranged everything. The contractors were quick, efficient and left the garden as good as it was b... Read more Reviewed on: 15th October 2024
Danielle's avatar
Danielle

Latest lowest rating:

1

Refuse to provide Home Emergency cover Churchill refuse to provide home emergency service for a boiler warning light. My Home Plus enhanced policy clearly states that Hot Water system is co... Read more Reviewed on: 3rd April 2025
Nathan S's avatar
Nathan S
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About this product

As a homeowner, finding a robust home insurance policy from a reputable provider is vital. Your home is likely your biggest asset, so it makes sense to protect it. At Smart Money People, we collect Churchill home insurance reviews to help you make an informed decision. Find out what genuine policyholders have to say about their experience with Churchill.

Churchill offers combined buildings and contents insurance policies. Choose your level of cover with Home Insurance and Home Plus. A variety of extras can be added to the Home Insurance policy such as accidental damage cover and family legal protection. Home Plus includes all of the additional extras as standard.

If Churchill home insurance sounds right for you, read our reviews to find out more. Learn how satisfied existing customers were with the cost of their premium. Find out how smooth the claims process is. Gain more information on the different levels of cover, and whether the additional add-ons are worthwhile. Read our Churchill home insurance reviews to make an informed decision on your next provider.

Have you had a home insurance policy with Churchill? Did you opt for Home Insurance or Home Plus, and were you satisfied with your decision? Would you say your premium was reasonably priced? Did you have any experience with Churchill’s customer service? Did you need to make a claim, and if so, how was it handled? Did you encounter any unexpected costs?

Whether good or bad, write a Churchill home insurance review today. Together, we can help people like you make better decisions.

Churchill Insurance Home Insurance reviews (155)

Review of the Churchill Insurance, Home Insurance:

AVOID

1
DON’T BELIEVE THE HYPE YET ANOTHER UPDATE! No further on with work despite the usual public show of “contact us directly to sort out”. And now to add insult to injury they have auto renewed my parents policy when they were told by them AND me in writing not to!!! At the end of my tether with them and STILL my parents are forced to live in a shell of a kitchen with no flooring!!!! UPDATE - after 1 week I have still not had even the courtesy of a reply yet alone had any progress on the work. My parents are still living in a shell of a kitchen with no idea if or when the work will be completed. I would call it shocking customer service however as customer service is non-existent this would be flattering them. DON’T BELIEVE THE HYPE! The majority of positive reviews relate to price and/or service when taking out a policy. JUST WAIT AND SEE WHAT HAPPENS IF YOU HAVE TO MAKE A CLAIM!!! See the message I have had to send to them to try and get my parents claim sorted. PS NOT HAD ANY RESPONSE! “ Back in July my parents gave permission to Churchills for me to discuss their ongoing claim with you should this be required. I am afraid to say that I now need to contact you to ask what is going on? This claim has been ongoing since June and has been handled appallingly! They have been left for weeks in a shell of a kitchen with basic utilities and promises of visits that don't happen. At the request of my parents I travelled to ####### last weekend to take a look at the progress as the floor was meant to be screeded on Friday 18th. This did not happen as when the contractor turned up he said he couldn't do the work as the flooring contained asbestos. Why hadn't this been picked up OR communicated by the surveyor??? This was after my parents, both in their late 70's and my father registered disabled had moved tables and chairs out of the kitchen area as they were asked to have the area clear ready to work. It is an absolute disgrace! The situation now is they are living in a shell of a kitchen not being able to cook or clean properly and they have a pile of rubbish including stacks of old flooring in the garden which the contractors have failed to take with them. I could further catalogue the incompetent and disgraceful way this 4 month claim has been mishandled however I will save this for Twitter and as many review sites I can post this debacle on to save any other would be customers being put through such a shoddy service. What I want from you is a full timetable of what is going to happen, and when IN WRITING and I want it adhered to. This needs to be sorted now as I feel that the contractors are definitely taking advantage of my parents easy going nature, one thing I didn't inherit from them. One final point. I find it ironic that the communication from both Churchills and the contractors has been woeful yet they are regularly being contacted to renew their policy. Seems to me that your customer service is great when taking money, not so good should you have a claim. I don't want them contacted again asking them to renew! Please sort this mess out!” PLEASE SAVE YOURSELF THE GRIEF AND GO ELSEWHERE! Reviewed on: 1st October 2020
Rob's avatar
Rob

Churchill home insurance review

1
Take over a month to even look at claim, then handlers (who all seem to work part time) hide from you, never answer phone and lie about trying to contact you. Then when one person says they'll pay then they offer you 20%,. Lesson learnt, will use someone reputable in future Reviewed on: 14th February 2024
Anthony Parker's avatar
Anthony Parker

Churchill Home Insurance

1
Awful insurance company, engineer did not perform a proper diagnostic on the boiler error code, he could not even locate a waste condensation pipe or undo a screw so left, sat in his car for 15mins then went. This has resulted in Churchill not willing to cover my claim, leaving me and my son to have a cold Christmas and l will probably have to buy a new boiler. They also increased my renewal by 30%. I have Churchill Hone Plus which should be called Churchill Home Minus for all the exclusion payout clauses they have. Reviewed on: 21st December 2023
Kal Jandu's avatar
Kal Jandu

Are existing customers treated fairly?

2
When my home and contents cover came up for renewal I was horrified that the premium had gone up by over 35% so we did some research for better offers. Using the same data we discovered that insuring house and contents separately was much cheaper than doing them together. Churchill also told me on the phone that if I went elsewhere then I would get a better offer next year! In the end we have re-insured partly with Churchill and gone elsewhere for the contents saving us nearly £90 overall. Reviewed on: 27th August 2023
Mtr's avatar
Mtr

Responsive on renewal quote

5
I’m fortunate that we haven’t had to make any claims for years. On our renewal the increased costs were a concern. Following a discussion these were reduced. Reviewed on: 26th August 2023
Anne Clark's avatar
Anne Clark

Good Insurer

5
Good prices and quick response to claim. Good service. Reviewed on: 25th August 2023
Henry Allgood's avatar
Henry Allgood

Good value

5
Renewed several years with no issues Reviewed on: 23rd August 2023
Ross's avatar
Ross

Extensive cover

5
The right cover at the right price with knowledgeable staff to help Reviewed on: 23rd August 2023
Robert Christopher Pennington's avatar
Robert Christopher Pennington

When something works well - leave alone!

5
Been with Churchill for several years; I keep reviewing other options and keep returning to Churchill year after year! When things are smooth don't create waves! Reviewed on: 22nd August 2023
Chris Liassides's avatar
Chris Liassides

Good value

5
Churchill provide excellent value compared to other competitors and their website / online features are extremely comprehensive.. Reviewed on: 28th July 2023
John D's avatar
John D

Be careful, they sneakily jack up prices over time

2
They bump up your home insurance price 20% every year of you don't contact them to reduce it They charge monthly payments as a credit so there's another 20% ripoff there Reviewed on: 14th June 2023
Anthony Millar's avatar
Anthony Millar

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