Compare Home Insurance Quotes

Our data shows the average cost of covering a UK home is £274. This is based on research across 100,000 policies for the average UK three-bedroom property. Home insurance costs may vary significantly based on: Your location (with London properties typically costing more to insure), Property type and size, Construction materials and age of the building, Local flood risk and crime rates, The level of cover you choose. By comparing quotes through our partner platform, you could potentially save up to £209 on your home insurance policy.

The most suitable home insurance policy for you may be one that meets your specific needs and budget. Deciding what cover you need before comparing deals could help you avoid paying for unnecessary coverage. Consider these factors when determining which policy might be right for you: The rebuild cost of your property (for buildings insurance), The total value of your possessions (for contents insurance), Any high-value items that may need additional coverage, Whether you need additional coverage like accidental damage or home emergency cover, Customer service ratings and claims satisfaction scores. Through our partner's comparison service, 97% of users recommended the platform for comparing insurance options.

Home insurance costs have increased significantly in recent years, with prices rising by 60% in England alone since 2023. Several factors may contribute to this increase: Climate change and extreme weather, Rising materials and labor costs, Supply chain disruptions, Higher rebuild costs, Increased subsidence claims. Shopping around and comparing quotes from different providers could potentially help you find more competitive rates despite the overall market trends.

You can usually claim as soon as your home policy starts. However, it's important to be aware that the policy start date may differ from when you paid for your insurance. Most insurers require you to notify them of any claim as soon as possible, and many have specific timeframes within which you must report incidents. Check your policy documents carefully as terms can vary between providers. Keep evidence of damage and receipts for any emergency repairs.

Whether you can claim depends on what caused the leak. Buildings insurance may cover leaks from insured events like storm damage or falling trees. Leaks from wear and tear or poor maintenance are typically excluded. Notify your insurer promptly if a covered event causes a leak.

Drains and sewers within your property boundary serving only your home may be covered by buildings insurance for accidental damage or blockages. Shared drains or damage from wear/tear are usually excluded. Check your policy and consider home emergency cover for broader protection.

Home emergency cover is an optional add-on for urgent issues (boiler breakdown, burst pipes, electrical failure, roof damage, security issues, pests) that make your home unsafe, risk further damage, or cut essential services. It provides rapid assistance. Whether it's worth it depends on your property's age/condition and your ability to cover unexpected repair costs. It typically costs £40-£100/year extra.

Our partners offer various specialist policies, including listed building, flat roof, landlord, tenant contents, high-value home, unoccupied property, holiday home, flood risk, accidental damage, home emergency, legal expenses, personal possessions, boiler, appliance, and garden insurance.

While not legally required, tenant contents insurance is highly recommended to protect your belongings. Your landlord's buildings insurance does not cover your possessions. Tenant insurance can also include liability cover if you accidentally damage the landlord's property.

Not having home insurance (though not illegal unless required by a mortgage) leaves you financially vulnerable. You'd be responsible for potentially huge costs like rebuilding after a fire, replacing all belongings after theft/flood, funding temporary accommodation, and liability claims if someone is injured on your property.