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Home insurance

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*Single annual policy. New and former Paramount+ subscribers only who sign up at ParamountPlus.com. Subscription required. Auto-renews unless cancelled. 18+. Just Eat website account required, geographical exclusions apply. The year-round reward is provided by Greggs, and consists of one regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.

1Correct as of June 2025

How to compare prices

Just tell us a bit about you and your home. We'll do the rest. To find you the right cover, at the right price, here's what we'll ask:

Number 1 icon

Your property

What type of property is it? When was it built? How many bedrooms are there?

Number 2 icon

Security

Is it your main home? Tell us about any door locks, alarms, and smoke detectors.

Number 3 icon

The type of cover

Buildings, contents or both? Extras like accidental damage or cover for belongings on the go?

White number 4 on a black background

A bit about you

What do you do for a job? Who lives with you? Is it a solo or shared policy?

We'll use this to show you tailored quotes.

Compare up to 79 trusted insurance companies1 all in one place

How to choose the right level of cover

Getting the right cover means making sure it suits your home and how you live. Too much cover and you’ll end up overpaying; too little and you might not be properly protected. We’ll help you strike the right balance.

Choose the right home insurance for you

Whether you own your place or rent it, we’ve got options to suit you:

Icon of building insurance

Buildings insurance

Covers the structure of your home – like walls, windows, and anything you wouldn’t take if you moved.

Icon of contents insurance

Contents insurance

Protects all your belongings, from furniture and gadgets to clothes and kitchenware.

Icon of home and contents insurance

Combined insurance

Covers both your home and everything in it - all under one policy.

Insurance for homeowners

Think of home insurance as a safety net. If a pipe bursts, or there’s a break-in, it can help pay for repairs or replacements. It can include cover for:

  • Rebuild costs if your home is damaged - not just your home’s value
  • Stolen or damaged contents like furniture, tech, and other valuables
  • Cover for outbuildings, sheds and garages
  • Fire, flood or storm damage
Not all policies cover the same things, that’s why it's worth comparing.

Here's some add-ons you may want to consider:

Insurance for renters

Your landlord sorts the building, but you’ll want to protect what’s yours. Here’s what to keep in mind:

  • No need for buildings cover
  • To protect your stuff you can buy contents cover
  • Check for shared home cover if you live with housemates

If you want more than just the basics, it may be worth getting these add-ons:

  • Tenants' liability – some landlords might ask for it
  • Accidental damage – handy for spills, knocks or dropped TVs
  • Personal possessions – cover for valuables you take out of the house such as bikes and laptops

Insurance for landlords

Do you rent out a property? You can buy specialist landlord insurance. Here’s what to look out for:

  • Buildings cover, fixtures and fittings protection
  • Liability cover – in case tenants get injured on your property
  • Loss of rent – if your property becomes unlivable and tenants can’t stay there

You may want to consider buying these optional extras:

  • Alternative accommodation for tenants
  • Cover for malicious damage
  • Home emergency cover

Insurance for students

Living away from home? Think about:

  • Contents insurance - to cover your belongings in uni halls or shared housing
  • Protection for essentials like laptops, consoles, and phones
  • Check if you’re already covered by a parent’s policy

Handy add-ons for student life.

  • Personal possessions cover –to protect things you take out and about
  • Accidental damage – for spills and drops
  • Bike cover – ideal if you’ve left your car at home

Insurance for holiday homes

If you have a holiday home, here’s what to consider:

  • Is it just for you, or do you let it out?
  • Do you need seasonal or year-round cover?
  • Will it be empty for long periods?

Handy extras for when you're not there in person.

  • Cover for guests or short-lets
  • Emergency repairs when you’re not there
  • Public liability – in case guests are hurt while staying at your property

Check cover levels before buying home insurance

Before you buy a policy, it’s worth checking what is and isn’t included. Here’s what to keep an eye on:

  • Are the cover limits enough to rebuild your home or replace everything?
  • What's classed as a 'valuable' and the max they’ll pay per item
  • Is bike cover included? Up to what value and what about theft outside the home?
  • Does it include alternative accommodation

Upgrade your cover with our home insurance add-ons

Want more cover? These optional extras can help:

Personal possessions cover

For items you take out and about, like your phone.

High-value item cover

Protection for expensive things like watches and jewellery.

Home emergency cover

This helps in emergencies such as your boiler breaking or if your pipe bursts.

Accidental damage cover

For unexpected oops moments like spilled paint on the carpet.

Legal expenses cover

To help with legal costs linked to your home such as neighbour disputes.

How to get our best prices

Prices depend on your home, location and cover. Here’s what Confused.com customers paid on average for their home insurance in Q4 2024:

How much does house insurance cost

Prices depend on your home, location and cover. Here’s what Confused.com customers paid on average for their home insurance between October and December 2024:

  • Icon of building insurance Buildings - £209
  • Icon of contents insurance Contents - £60
  • Icon of home and contents insurance Buildings and contents - £201

Confused.com data - Q4 2024

How to save money on your home insurance

  • Pay annually - monthly payments often come with added interest
  • Increase your voluntary excess - but only if you can afford it
  • No-claims bonus - save more each year you don’t claim
  • Accurately estimate your contents - too high and you might overpay
  • Shop around, compare quotes, and don’t auto renew! - Switching is often much cheaper than renewing

For more ways to save, see our guide on tips to reduce your home insurance.

Our expert says:

"When comparing home insurance policies, remember your cover needs can change over time. Add any home improvements or lifestyle changes before comparing quotes to get the most accurate price."

Matthew Harwood, Home & lifestyle insurance expert at Confused.com
Matthew Harwood Car care expert signature Home & lifestyle insurance expert Confused.com logo

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Why compare home insurance with Confused.com?

Get choice, value and quotes from trusted providers all in one place when you compare with Confused.com.

  • Save up to £205.90 on your next policy**
  • Compare quotes from 79 trusted UK insurers
  • Unlock exclusive rewards when you buy

**Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (April '25). 51% of home insurance customers could save £205.90 on a combined policy.

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4.6 rating based on 58242 reviews
as of 28/05/2025

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Home insurance options for unique risks

Home insurance for different types of builds

Home insurance guides to help you

See more home insurance guides

Frequently asked questions

Can I transfer my home insurance to a new house?

You can move or transfer your current policy to a new home. Some insurers allow it, but you could save money by getting a new quote and policy and tailoring your new policy to your new home.

Can I change my excess?

Yes, when getting a quote, you can pick your voluntary excess.

Does claiming affect my policy cost?

It can. Claims might raise your premium and reduce your no-claims discount.

Are the quotes I see accurate?

Yes. They’re live prices from insurers, based on your info.

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