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RIAS: Home Insurance reviews

Name: Home Insurance
Rating: 3.25 (47 reviews)

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3.25

Based on 47 reviews, last reviewed 12th Oct 2026

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

23%

3 star

66%

Latest highest rating:

5

Easy to deal with and monitor online Easy to deal with and monitor online Reviewed on: 12th October 2026

Latest lowest rating:

1

My late mother was with RIAS for years , prob 15-20. My late mother was with RIAS for years , prob 15-20. House and contents insurance . I lived with her laterally and was her POA until her death 2y ago... Read more Reviewed on: 12th October 2026

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About this product

At Smart Money People, we collect RIAS home insurance reviews from genuine policyholders. This collective wisdom can help you decide if RIAS is the right provider for you.

RIAS offers buildings cover, contents cover and a combined policy of both. All policyholders can benefit from a 24/7 claims line and certain items of technology covered as standard. You can make your policy even more robust by adding on additional extras to your policy. These include, but are not limited to, excess protection, key cover and personal legal protection.

Read our RIAS home insurance reviews for in-depth information about the insurer and its policies. Learn from genuine policyholders how well RIAS services its customers and how secure its home insurance policies are. Find out if the add-ons offered by RIAS are good value for money, and whether customers would renew their policies.

Have you had a home insurance policy with RIAS? Tell us about your experience. Did you choose buildings cover, contents cover, or opt for the combined policy? Did you add on any additional extras, and if so, did you find them to be worth the extra cost? Did you need to make a claim, and if so, how well was it handled? Would you recommend RIAS home insurance to family and friends? Did you encounter any hidden fees, or any other aspects that prospective policyholders should be aware of?

Leave an honest RIAS home insurance review today to help people just like you make better decisions.

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RIAS Home Insurance reviews (47)

Easy to deal with and monitor online

Easy to deal with and monitor online Reviewed on: 12th October 2026

My late mother was with RIAS for years , prob 15-20.

My late mother was with RIAS for years , prob 15-20. House and contents insurance . I lived with her laterally and was her POA until her death 2y ago . I now live in the family home myself , have the title deeds etc but RIAS have doubled the monthly direct debit just as I have changed the policy to my name …same house. Phoned them today and was advised I have to go on to website and take out a new policy when it expires next month as they cannot now do this over the phone - going abroad on holiday in 3 days time plus work full time so haven’t got time to shop around but also want to ensure house is fully insured etc . Policy expires 1st Nov - I’ll be home a few days before that but then they say they need 7 days notice to set up new policy in my name …ie in 3 days time ! Told me to go to website and find something that matches existing policy we have had for many years …This seems an awful way to treat loyal customers ! I’m going elsewhere …shocking service I’m afraid Reviewed on: 12th October 2026

Seamless insurance setup, very competitive with lots...

Seamless insurance setup, very competitive with lots of options Reviewed on: 14th August 2026

Loyal customer -no claims-but 50% Renewal increase!?

Have been with RIAS for many years, but this year the renewal requested was 50% more! Found alternative 5star cover for same as last year! Reviewed on: 29th January 2025

Funny how all reviews are about how great and easy i...

Funny how all reviews are about how great and easy it was to hand over the money and take out the policy,I can promise you when you need Rias to give you any money back to fix your problem,that is a different matter!!! Company needs investigation Reviewed on: 27th December 2024

You take out what you think it the best Home insuran...

You take out what you think it the best Home insurance only to be told quite happily by Darren who loves his job in claims storm damage (90mph winds) isn't covered for fences, trees, hedges etc. Been with them for home and cars for a few years but won't be renewing. Thanks Reviewed on: 22nd January 2024

Reasonable premium cost and good claims servuce

Pleasantly surprised by the increase in premium since other insurers have hiked their prices so much. Unfortunately had a claim last year, which was dealt with efficiently. Reviewed on: 23rd August 2023

Rias insurance are uninsurable

Home emergency cover what a joke just do not answer phone cuts off and tells you to call back. This company is literally uninsurable!! Reviewed on: 18th December 2022

Complete rip off company

We have had our buildings and contents insurance with Rias for 5 years. We moved out of our property at the end of October into a relatives house so didn't need to take the insurance with us. They charged us a £60 exit fee even though our Direct Debit for November was taken in the sum of £20, which would cover us for a month we aren't even living at the property. Will never use this company again! Reviewed on: 15th November 2022

Appalling service

My policy expired and I did not renew they now claim I owe them £48 - unable to find any way of paying this cant via web site and no-one answers the phone and yet they are threatening to foward my details to a debt recovery service Reviewed on: 5th October 2022

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