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Post Office: Home Insurance reviews

Name: Home Insurance
Rating: 3.34 (57 reviews)

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3.34

Based on 57 reviews, last reviewed 20th Aug 2026

200% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

19%

14%

11%

51%

Latest highest rating:

5

Home and car insurance great Great experience-value for money-insurance coverage is good for the price Reviewed on: 20th August 2026

Latest lowest rating:

1

I am 84, had my policy automaticlly renwed. I am 84, had my policy automaticlly renwed. No confirmation or documents. Realised issue when I received my monthly bank statement! Told as over 14 da... Read more Reviewed on: 18th May 2026

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About this product

At Smart Money People, we collect Post Office home insurance reviews to give you insight into what you can expect as a Post Office policyholder.

Post Office offers both buildings and contents insurance with two levels of cover: Silver and Gold. All policyholders are given access to a legal helpline, 24/7 claims line and online self-service policy management. You can make your policy more robust with optional add-ons, such as home emergency cover, family legal protection and more.

Your home is likely your most valuable asset, so read our Post Office home insurance reviews to find out what policyholders have to say about their experiences. Learn how satisfied customers were with their Silver and Gold cover, as well as whether their additional extras were worthwhile. Find out if Post Office policyholders would recommend their cover to family or friends. Make an informed decision when selecting your next provider by reading customer reviews.

Have you had a home insurance policy with Post Office? Write a Post Office home insurance review on Smart Money People today. Let us know whether you took out buildings insurance, contents insurance, or both. Did you opt for Silver or Gold, and did you pay for any optional add-ons? How satisfied were you with the level of cover you received for the cost of the premium? Did you have any experience with Post Office’s customer service team? Did you need to make a claim, and if so, how well was it dealt with? Leave an honest review to help people like you make better decisions.

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Post Office Home Insurance reviews (57)

Home and car insurance great

Great experience-value for money-insurance coverage is good for the price Reviewed on: 20th August 2026

Only experienced the renewal Process

As I have not claimed I have only experienced the renewal process. lt has gone fine and I have left it on autorenewal, but compare the price before expiry. Last year they were £60 more expensive than reasonable competitors, but this year the price has dropped over 20% and is very competitive. Reviewed on: 20th August 2026

I am 84, had my policy automaticlly renwed.

I am 84, had my policy automaticlly renwed. No confirmation or documents. Realised issue when I received my monthly bank statement! Told as over 14 days cannot cancel! Cant cancel something with out knowing you have been forced intoit and charged! Now I have 2 policies. The PO will be invalid as not got the correct information! Pain, all the way. Complaints department hard nosed and not issuing a credit. Reviewed on: 18th May 2026

Gold Plus Home Insurance.. that isn't

I woke at 05.00 to a kitchen ceiling leaking water onto the kitchen laminated floor and a steady dripping throught the downlighters and palster board. Turned water and electricity off, threw towels onto floor and ran upstairs to locate leak. Pipes go from airing cupboard under floor in back bedroom in to bathroom. No leaks visible in bathroom, cut bedroom carpet to get access to pipes but found no leaks. Went back to kitchen and removed one plaster board of ceiling showing wettest at outer wall below bathroom. Presumed turning water off had stopped leak. Called insurance 'Emergency' number and a Servowarm team turned up within 40mins, looked where I had looked and told me that if I could find the leak they could come back and fix it (I said that if I could find the leak, I could fix it) 5 mins after arriving they left. With pipes exposed, I turned the water back on but found no leak. After 24 hours of no further leakage and still unaware where the leak was, I poured a jug of water against the bathroom outer wall and saw the leak appear through the kitchen ceiling. The two sources of water here appear to be the shower or the washbasin, however the pipes are sound and dry. The conclusion I came to was that the washbasin tap had not been full turned off over night and through a design flaw of the sink, water tracked down the stem of the tap across the back of the sink onto the floor and through to the kitchen ceiling and floor. I informed the insurer (Ageas) the above information and asked about claiming for the water damage and damage done while investigating the leak. A very nice lady looked into my Gold Plus 'policy wording' ..and informed me that it looked like 'I caused the damage' and therefor couldn't claim. I despute that the wording under What is Not Covered:- "Criminal acts or deliberate damage or loss caused by you, your family or anyone living with you" is applicable, because it was 'not deliberate'. However that appears to be the end of it. I will now fix it all myself, but will never buy anything from the Post Office or underwritten by Aegeas ever again and urge others to think long and hard about doing so. This is a salutary lesson for me, that brings me to an inevitable conclusion that insurance is a rip-off. In future I will only take out the absolute minimum insurances (for anything) and only where it is mandatory. Reviewed on: 6th August 2025

bit expensive but fairly comprehensive

bit expensive but fairly comprehensive Reviewed on: 24th August 2024

Access to website details ..

I have been trying to access my policy on the website and although my log in details are correct and the password is correct it tells me my details are incorrect. When I try to reset my password I never receive the promised email. If I try and register anew it says my email is not found although when I rang they clearly had all details online. I thought they would sort this out but 10 days later, the same thing happened. Still no access to the website and when I ring there is only music, so not sure whether they are still working or not as it was just before 6. Really frustrated. Reviewed on: 14th March 2024

Terrible lack of communication routes for customers

I purchased a home insurance policy then wanted to cancel 3 days before it went live.... no means of doing this online so I called customer services and was told I couldn't cancel it until the day it goes live... what?? Logged in to my account and there is no means provided (even logged in) to do an online chat, send an email, or leave feedback. Basically, they have ensured they don't have to deal with grievances from pesky customers.. pathetic. Reviewed on: 12th February 2024

Decline Claims

To crazy post office insurance coz when i bought clearly they told me my roof is cover when i was ask about my problem they told me it is not to without visit to my house so please every body be careful with home office insurance. So that see their rating on the board which i did not know. Reviewed on: 24th December 2023

Worst company

Faulty hot water tank resulted in a leak which spread downstairs to living area. Plumber came out that evening when it should have been a heating engineer, so nothing he could do but take a picture. No hot water or heating so under my cover I’m due alternative accommodation, the accommodation that was offered is not suitable for my kids and dog. Also the hotels offered was too far away and some were in the city centre of Glasgow…. With a dog and two kids! I Now have heating from 3 fan heaters and need heat up water on the stove to bath the kids. Also spent around 7 hours on the phone yesterday speaking to over 10 different people from third party companies. One third party company deals with accommodations, another the contents claim, another the building side, the emergency aspect etc etc etc. Your past from pillar to post with no one taking accountability or control of your case. Do your sanity a favour and avoid at all costs. Reviewed on: 17th March 2023

Good company.

Good company been with the post office a long time and trust with this company is very good. Reviewed on: 12th October 2022

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