Home Insurance

Rest easier knowing your home is protected from the unexpected.

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Your home is one of your most important investments, protect it.

Whether you're a first-time buyer or a seasoned homeowner, home insurance is something you should consider. Most mortgage lenders will require that you have some form of cover in place.

Home insurance is a type of property insurance that covers your home and possessions in the event of damage or theft.

Home insurance can help you repair or replace your home and belongings if they're damaged or destroyed by a covered event, such as a fire, storm, theft, or vandalism.

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Popular home insurance cover options

Buildings insurance

A standard buildings policy covers the overall structure of your home. This includes any permanent fixtures, such as the roof, walls, floors, a fitted kitchen or bathroom.

Contents insurance

Covers personal items in your home, such as furniture, TVs and electrical items, kitchenware, clothing, jewelry and soft furnishings.

Combined insurance

A combination of both buildings and contents insurance, whether you own your home outright or have a mortgage. Combined cover protects your home and everything you own inside it.

A few things to know about home insurance

  1. A number of things can affect your quote, such as where you live and the age of your property
  2. Improving your home security with upgraded locks and an alarm can bring premiums down
  3. Answer questions accurately, otherwise your policy might not pay out when needed
  4. If you rent you usually don’t need buildings cover, instead a contents policy may be more suitable

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Your common home insurance questions, answered

Are my belongings covered outside my house?

Some insurers include personal possessions as standard, some others don’t. It’s important to check you have the right cover, not just the cheapest home insurance.

Does home insurance cover me to work from home?

In most cases you shouldn't have to take out any additional cover, though if you regularly work from home let your insurer know, not telling them could invalidate a future claim.

How much cover do I need?

To calculate the amount of cover you need, you should think about how much it would cost to rebuild your property; and how much it would cost to replace your belongings inside.

What if my property is empty?

Most home insurance policies will cover unoccupied properties for up to 60 days, if anything happens outside this period you’re unlikely to be covered.

Finding the right cover is quick and easy with QuoteSearch

  • Save up to £146* on your home insurance
  • Recommended by 97%** of customers
  • Compare deals from over 50*** insurers

Our service is completely free and there’s no pressure to take out a policy. We’re 100% independent and FCA regulated, meaning you can proceed with confidence.

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