Home Insurance - Compare Cheap Quotes (2022)

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What is home insurance?

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Home insurance, also called house insurance, is a type of insurance used to protect your home. There are two types of home insurance:

Home buildings insurance - covers the structure and potential rebuild of your property.

Home contents insurance - insures your furniture, fixtures and fittings and belongings inside your house or flat.

Combined home and content insurance

You can buy building insurance and home contents insurance separately.

You can also buy them together in a single home insurance policy to protect your house. This is often called ‘home and contents’ insurance, buildings and contents insurance, or home and building insurance.

As long as your premium is paid on time each month your home will be covered for insurance risks such as fire, flood, subsidence, theft and other emergencies.

How does it work?

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Find the insurance cover that’s right for you by exploring our best deals.

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Start saving money and apply with your chosen provider.

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Why you should consider home insurance

It's a good idea to protect your home and the items within it, with a home insurance policy. The cost of rebuilding your home after a fire or flood would be more than most people could afford.

Most people underestimate the value of their belongings, and the potential cost to buy everything new again, if they're stolen or damaged.

It's important to shop around for the best quotes. The cheapest home and contents insurance may not be the best cover for you.

Find home insurance cover that’s right for you

Home Insurance - Compare Cheap Quotes

Compare the cost of home and contents insurance with our comparison tool and protect your house or flat today. Switch home and contents insurance with Uswitch using our simple, speedy and impartial comparison tool. Find cheap insurance policies in minutes.

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Contents Insurance - Compare Cheap Quotes

Compare the cost of home and contents insurance with our comparison tool and protect your house or flat today. Compare and switch home and contents insurance with Uswitch using our simple, speedy and impartial comparison tool. Find cheap insurance policies in minutes.

Learn more

Buildings Insurance - Get a cheap building insurance quote

Find and compare building insurance online in just a few minutes. Find the best building insurance policy for your needs and compare cover and prices.

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(Video) How to Compare Auto and Home Insurance Quotes

Contents Insurance For Tenants

Contents insurance for tenants can protect your belongings from theft, fire or damage whilst you’re renting a property. Compare quotes to find the best tenants insurance for you.

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Home insurance - Buildings cover

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Buildings insurance cover protects the structure of your home and provides insurance against fire, flood, subsidence and the cost of rebuilding. It only covers the bricks and mortar of your home, not the contents.

  • You don't need to calculate the cost of rebuilding your home – your insurer will be able to do that for you

  • You only need buildings insurance cover if you own the property, not if you rent it or are a tenant

Compare Buildings Insurance

(Video) General liability insurance coverage compare insurance quotes ll all state homeowners insurance||

Remember...

Buildings insurance is usually required if you have a mortgage. Your buildings insurance company will calculate the rebuild value of your house, as opposed to its market value.

How do I get cheap home insurance quotes?

Different insurers will offer different prices for home insurance cover

Standard-built home

If you have a standard-built home with no particular risk factors (such as being near a river or being affected by subsidence) then you will find a variety of different quotes from home insurance providers.

Specialist needs

If you have more specialist needs – for example if your home is thatched, an unusual construction, is at risk of flood, or is large with a lot of rooms and value items, then you may need to find a specialist insurer to cover your property.

Home insurance - Contents cover

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Contents insurance cover protects your possessions within the home, and also in garages and outbuildings if you choose to include these within the scope of the policy.

  • Contents insurance is not compulsory, but is a good idea as the cost of replacing your possessions if they were stolen or destroyed in a fire could be very high.

  • Some insurers provide a checklist so you can go through your possessions and estimate or check their value.

Compare Contents Insurance

Remember...

Keep receipts for high value items as you will need evidence of the amount you paid for them if you need to make a home insurance claim in the future.

Top tips for home insurance quotes

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Compare prices

Shop around for the best deals. Work out which is the best home insurance for you, not just the lowest monthly premium.

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Increase your excess

If you need to make a home insurance claim you may have to pay a small amount, known as the excess. The bigger your excess, the lower your premium is likely to be.

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Fit good quality locks to windows and doors

Fit good quality locks to windows and doors: Improve your security to make a break-in less likely, you will be seen as a lower risk in the eyes of the insurance company.

(Video) Martin Lewis on How to Choose Home Insurance

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Check out combined deals

Sometimes getting home contents and buildings insurance together can work out cheaper.

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Try to build up a no-claims bonus

You're likely to be offered a lower premium if you have not made previous claims. If you have a larger excess, it's also probably not worth making a lot of smaller claims.

What is home insurance?

Home insurance will cover you if something happens to your home or its contents. Read our guide to find the best home insurance for you and compare cheap home insurance quotes.

Home Insurance Renewal

Can you save money on your home insurance renewal? Read our guide and learn how to save by switching.

Do I need pet insurance

Pet insurance can give you peace of mind and protection for your pet against unexpected vet bills, illness or accidents.

Insuring your bike on your home insurance

Learn about whether you should get extra home insurance cover for your bike as part of your home contents insurance, or search for specialist bicycle insurance to cover your two wheels.

Compare home insurance & building insurance quotes

Privacy policy

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Home Insurance comparison is powered byConfused.comwhich is a trading name ofInspop.comLimited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. Uswitch is an intermediary and receives a percentage of the commission if you decide to buy through us. If you already hold an account withConfused.com, the information held for you will be available to help you complete your quote more quickly - you should check the information is still accurate and up-to-date.

(Video) Compare cheap home insurance quotes for owners and tenants and see if you could save on your premium

FAQs

Who is best home insurer in UK? ›

Best Home Insurance Companies in the UK 2022
  1. Admiral. Family legal protection. ...
  2. Alan Boswell. 'All risk' coverage. ...
  3. Homeprotect. New-for-old cover. ...
  4. The AA. 24/7 legal helpline. ...
  5. MoreThan. Up to £200 home emergency assistance. ...
  6. Swinton. Cover for high-value properties (over £500,000) ...
  7. John Lewis Finance. ...
  8. Aviva.

Is it worth shopping around for home insurance? ›

It's important to compare multiple homeowners insurance companies to ensure that you're getting the best coverage at an affordable rate. Policygenius agents can help you compare different insurance companies to make sure you're getting the best policy and deal for your and your home.

Why has house insurance gone up so much in 2022? ›

New FCA rules that came into force in January 2022 to tackle the practice of 'price walking' have instigated the biggest monthly jump in home and motor insurance premiums in over eight years, according to market insight firm Consumer Intelligence.

Is Aviva good for home insurance? ›

Its home insurance has a five-star rating from Defaqto and Aviva is the first major insurer to receive the Ethical Company Award from the Good Shopping Guide for its responsible approach to business. Aviva is also recognised by the Good Business Charter for its responsible business practices.

Is John Lewis home insurance Expensive? ›

In terms of standard Home Insurance policies, John Lewis's insurance premiums tend to be priced at the lower end of the market. John Lewis's policy options range from essential to extravagant and most contain options that allow you to tailor your cover even more.

Who is the biggest home insurer in the UK? ›

The UK's biggest home insurance brands
RetentionOct-21 to Mar-22
Nationwide79.7%
Santander78.0%
Lloyds Bank77.9%
Sainsburys77.9%
6 more rows

How much has homeowners insurance increased 2022? ›

Based on S&P data from January 1, 2022 to May 18, 2022, home insurance companies have been approved for rate increases in almost every state, with an average rate increase of 4.48%.

Is home insurance coming down? ›

The average price paid for home insurance – both buildings and contents cover - has fallen over the last year according to the ABI's latest Household Premium Tracker figures published today. The news will give some respite to households struggling with rising bills as the cost-of-living squeeze tightens its grip.

Are insurance premiums going up 2022? ›

Like nearly every purchase consumers make right now, the average cost of car insurance will probably rise for many drivers throughout 2022. Nationally, car insurance rates are increasing by an average of 4.9 percent, according to approved rate filing data from S&P Global Market Intelligence.

What is Aviva premium home insurance? ›

What is this type of insurance? Aviva Online and Aviva Premium Home Insurance protects you against loss or damage to the Buildings and/or Contents. It covers such. things as fire, flood, storm, theft and subsidence – as described online and in our policy booklet.

Is Aviva a comparison site? ›

Which car insurers are not on comparison websites? Direct Line, Aviva and Zurich are some of the bigger insurance companies that do not sell their car insurance policies using comparison websites.

What is the difference between Aviva zero and Aviva? ›

Focus on sustainability

“To help meet these changing needs, Aviva has launched a new online-only car insurance product – Aviva Zero - that allows customers to offset their carbon emissions from driving their car.

Is it OK to switch home insurance companies? ›

Yes. You have the right to switch your homeowners insurance at any time. If you're in the market for a home, you'll want to start shopping for home insurance before you purchase a house. That's because most mortgage lenders require you to buy some type of homeowners coverage before closing.

Does it hurt you to change home insurance companies? ›

It may seem a bit risky to switch home insurance companies every year, but it's actually recommended! You can change your home insurance as often as you want, but most experts recommend shopping around at every policy renewal.

How often should you switch home insurance? ›

How Often Should You Change Your Coverage? Though you might review your policies annually, that doesn't mean you'll always need to make a change that often. In many cases, your current coverage may still be adequate. But generally, it's a good idea to review all of your insurance needs at least once a year.

Is John Lewis House Insurance Good? ›

It also received a five-star rating by Moneyfacts in 2022, while TrustPilot scores John Lewis Finance 4.3 out of five stars from more than 3,600 customer reviews, with 62% rating its insurance policies as excellent^.

Who provides John Lewis Home Insurance? ›

202277). John Lewis Specialist Home Insurance is underwritten by Covea Insurance plc.

What insurance company does John Lewis use? ›

202277). John Lewis Car Insurance and Specialist Home Insurance is underwritten by Covea Insurance plc.

Who is the number 1 insurance company in the UK? ›

Admiral Group

The Admiral Group is the largest auto insurance company in the UK with 14% of the motor insurance market, underwriting policies through their Admiral, Bell, Diamond, elephant.co.uk and Gladiator brands.

Is Aviva the biggest insurance company in the UK? ›

Aviva is the UK's largest life insurer with a 25% share1 of the UK market, over 11 million customers, and a product range which meets all our customers' insurance, wealth and retirement needs.

Who is ibis home insurance? ›

IBIS World covers 5 companies in the Home Insurance in the UK industry, including Aviva plc, AXA Insurance UK plc, Direct Line Insurance Group plc, RSA Insurance Group Ltd and Lloyds Banking Group plc.

Why has my home insurance gone up so much? ›

Increasing number of claims

And insurers tell us the market is hardening, which means that not only premiums are increasing but also some insurers are less willing to take on some risks. They can see that both the frequency and size of claims has been increasing.

Why have house insurance premiums gone down? ›

Having said that, insurance premiums for both home and motor insurance have been falling steadily since the start of the coronavirus pandemic in early 2020. This is because the various lockdowns and rising number of people working from home have led to fewer house burglaries, and people are driving less frequently.

Why does home insurance increase? ›

Sky-high inflation is one of the main culprits behind the increase in premiums. Home insurance coverage is based on the cost to rebuild your home, and that may have gone up drastically as the price of many building materials has risen and supply chain issues have made the building process more expensive.

What is the average home insurance cost per month UK? ›

In the UK, the average monthly payment for buildings & contents insurance is around £28.87 per month; monthly payments end up costing around 9% more than paying upfront. Why? Because when you pay monthly you're essentially borrowing money so you pay the premium AND an interest charge each month.

How much have house insurance premiums increased in the last year? ›

In the 12 months to January 2022, the average premium for home insurance rose 2.9% and the average premium for motor insurance decreased by 2.8%.

What is the average value of house contents UK? ›

The nation's home contents value
RegionAverage contents value
North West£38,949
North£39,727
Wales£41,148
Scotland£41,004
8 more rows

What are three things you can do to reduce your auto insurance premiums? ›

Here are some ways to save on car insurance1
  1. Increase your deductible.
  2. Check for discounts you qualify for.
  3. Compare auto insurance quotes.
  4. Maintain a good driving record.
  5. Participate in a safe driving program.
  6. Take a defensive driving course.
  7. Explore payment options.
  8. Improve your credit score.

Is Medicare going up in 2023? ›

In 2023, the base Part B Medicare premium will decline to $164.90 in 2023, a $5.20 decline from 2022's $170.10 monthly premium. Also, the annual Part B deductible will decline to $226 in 2023 from $233 in 2022, according to CMS.

Did Allstate have a rate increase? ›

Since the start of 2022, Allstate had implemented 72 rate increases averaging 10.3% across 51 locations.

How much will my home insurance go up after a claim UK? ›

Making a single home insurance claim can drive up the cost of a policy by more than 50%. Home insurance customers who have made one claim face paying 57% or £91 more on average than those who have not claimed, according to analysis published by Which?

Can I claim on my house insurance for a new boiler? ›

In most cases, standard home insurance will not cover the cost of fixing or replacing a broken boiler. Boiler breakdown is common and it's most often caused by lack of good maintenance or regular servicing, so home insurance providers are understandably wary about offering cover for this issue.

Is home insurance mandatory in the UK? ›

If you don't have a mortgage

Buildings insurance isn't compulsory but it is advisable. Think about how you would afford to rebuild your house if it were damaged or destroyed.

Are all comparison sites the same? ›

Comparison websites cover different providers and products – remember not all providers appear on comparison sites.

How do insurance comparison websites work? ›

Quote-comparison sites give you rates from multiple car insurance providers so you can review the options and decide which quotes to pursue. When comparison-shopping, you'll come across some sites that provide real-time insurance quotes and others that give an estimate.

Are Aviva and Admiral the same company? ›

Admiral and Aviva are two of the largest car insurance companies in the UK. Both come with many 'must-have' features, but they do not offer equal products. The team at NimbleFins has compared each company's car insurance offering to help readers trying to decide which might be the superior product for their needs.

Is there a free phone number for Aviva? ›

Please call us on 0800 056 2192 to discuss this in more detail, otherwise we'll email you for more information.

How do I contact Aviva UK by phone? ›

If you're a customer, you can:

Explore our customer site at: aviva.co.uk and business site at: aviva.co.uk/business. Email: contactus@aviva.com. Phone: 0345 030 7041.

Who are the underwriters for Saga insurance? ›

About Saga car insurance

Although Saga is an insurance provider, the motor policies are underwritten by a panel of around seven insurers such as AXA, Covea, ABC and Zenith, as well as its own in-house underwriter AICL.

Who is policy expert owned by? ›

QMetric Group Limited (QGL) is Policy Expert's parent company. It is a new type of insurance company that brings together software design, insurance broking and underwriting to give customer more flexibility over the insurance they chose.

Is home insurance the same as building insurance? ›

Buildings insurance, on the other hand, protects the fabric of your home, such as the roof, walls, windows and permanent fixtures like a fitted kitchen, garage, conservatory and outbuildings. Home insurance protects both your property's structure and the items within it.

Does house insurance cover water leaks? ›

Does home insurance cover plumbing leaks? Most standard building and contents home insurance policies cover water leaks - often referred to as 'escape of water' in policy booklets. However, there are exclusions, so you should check your policy carefully.

Which insurance company has the highest customer satisfaction? ›

USAA. USAA is the best insurance company in our ratings. According to our 2022 survey, USAA customers report the highest level of customer satisfaction and are most likely to renew their policies and recommend USAA to other drivers.

Is Saga part of AXA? ›

Who owns Saga health insurance? Saga health insurance is underwritten by AXA PPP healthcare Ltd.

Are Churchill and Direct Line the same company? ›

Since February 2012, Churchill is part of the Direct Line Group; policies are underwritten by the parent United Kingdom Insurance Limited.

What is Trinity claims? ›

Trinity Claims deliver straightforward and reliable claims solutions, specialising in household and motor insurance claims with a focus on customer service. Specialised in Household and Motor Claims. Market leading results. Tailored solutions. Expert teams.

Is policy expert on comparison sites? ›

Policy Expert is an insurance broker that sells three tiers of cover underwritten by a panel of three insurers. How Policy Expert Works: To buy a policy online, either go you their website directly or use a comparison site such as our home insurance comparison partner QuoteZone.

Is policy expert defaqto rated? ›

Policy Expert car insurance is rated as three stars by Defaqto, an independent financial research company. Note: Not all Defaqto products with the same star ratings have the same covers and terms. TrustPilot has given Policy Expert a rating of 4.7 out of five based on 25,340 reviews.

What is the most important part of homeowners insurance? ›

The most important part of homeowners insurance is the level of coverage. Avoid paying for more than you need. Here are the most common levels of coverage: HO-2 – Broad policy that protects against 16 perils that are named in the policy.

What are the 2 types of home insurance? ›

Types of Home Insurance policies in India and what it covers
  • Types of Home Insurance Policies. ...
  • Standard Fire and Special Perils Policy: ...
  • The building or Home Structure Policy: ...
  • Liability Insurance: ...
  • Personal Accident Insurance: ...
  • Burglary & Theft Insurance:

Are wall cracks covered by insurance? ›

Most standard building insurance policies will cover cracks in walls caused by subsidence, as long as your home hasn't had subsidence before. If your cracks in walls aren't caused by subsidence, it's unlikely that your buildings insurance will pay for any repairs.

What are three things that are not covered by homeowners insurance? ›

Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Damage caused by smog or smoke from industrial or agricultural operations is also not covered. If something is poorly made or has a hidden defect, this is generally excluded and won't be covered.

Is water damage to ceiling covered by insurance? ›

If your roof or ceiling leaks due to a covered peril, the associated damage should be covered under your homeowners insurance policy. Most home insurance policies have an open perils claims basis, which means unless coverage is specifically excluded, then it is included.

Is grout failure covered by insurance? ›

If the caulk or grout in your shower or tub is cracked, water may leak. This won't be covered by homeowners insurance since it is a maintenance issue. Fix it sooner than later.

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