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Direct Line: Home insurance reviews

Name: Home insurance
Rating: 3.79 (136 reviews)

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3.75

Based on 136 reviews, last reviewed 28th Sep 2025

300% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

50%

21%

19%

Latest highest rating:

5

Efficient service We phoned them about a problem, they then handled everything very quickly and efficiently. I was very inpressed. Reviewed on: 24th September 2025

Latest lowest rating:

1

Home emergency reported Friday lunchtime. Home emergency reported Friday lunchtime. Text confirming heating engineer would be with us Sat 27/09/2025 between 9.00 and 12.30. Blue Badge holder, ... Read more Reviewed on: 28th September 2025

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About this product

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 Insurance cover but with extras included, such as personal possessions, accidental damage and home emergency protection.

Direct Line home insurance reviews help you find out what it’s really like to be a customer. If you’ve used Direct Line before, you can also leave a review and share your experience.

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Direct Line Home insurance reviews (136)

The full package with no hidden costs

What I like is that the home insurance plus has no hidden extra costs and it covers up to 100k of content and unlimited buildings. Whenever we’ve called they have been super helpful and when wanting to insure our bikes they were honest that they would not be the best and recommended an alternative. Reviewed on: 28th July 2023

50% uplift for renewal

many years of no claims histrory, but 50% increase for renewal of policy. Reviewed on: 22nd July 2023

terrible company

been with direct line for 19years last years premium was £225 this years premium £303.50 ciontacted them and asked was there a misprint they said no and the new premium was right left me no choice but to cancel the insurance. 19 years no claims buyers beware. Reviewed on: 17th June 2023

Rip off merchants

Home Insurance last year was £170, this year they want £247, phoned up and they said they could reduce it by £25. That would be an increase of £52 or in excess of 25%. No claims made in the past 4 years I was with them, no claims made in 40 years, pure greed on their part and another customer lost. Thanks for nothing Direct Line Reviewed on: 6th June 2023

Avoid this company at all cost

Strung us along for nearly five years , neighbours tree has damaged our large boundary wall , direct line passed us onto their legal team whom have played about for four years then told us we don’t have a case. Complained to Directline who sent out loss adjusters who then claim they do not cover ongoing damage … the reason it’s ongoing is because it’s not been repaired for nearly five years . Will take this to ombudsman. Absolutely disgusting service , when my house and four cars policies end I will take my business elsewhere . Biggest scam artist going Reviewed on: 10th March 2023

Horrendous Organisation

Absolutely dreadful experience when seeking Home Insurance as their Underwriters do not cover parts of N.Ireland but have happily took my annual fees for vehicle insurance. Will Not be renewing any other policies and taking my business elsewhere. Reviewed on: 4th January 2023

6months on and still no date for fix

Had a leak, they refused the repair quotes I got and finally agreed to have their contractors do the fix. That was over 8 weeks ago and still no date. I’ll be leaving Direct Line once this claim is finally sorted and will never buy any of their products! Reviewed on: 16th October 2022

very good service

Good to deal with and knowledgeable Reviewed on: 10th October 2022

Great customer service

This is a company I have used for the last few years. My experience has been a positive one Reviewed on: 15th August 2022

Access and Trace not covered - Terrible

We have a water leak but as it is under floor in the house, we have to determine, at our own expense, if damage has been caused before DL will pay a penny!! Last time I take DL insurance out. Reviewed on: 1st August 2022

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