Home insurance

You could save up to £75* on your home insurance

Get a home quote
Takes about 8 mins

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*Based on online independent research by Consumer Intelligence (February '17). 50% of home insurance customers could save £75.27 on a combined policy.

What do you need to get a quote?

Getting a quote normally takes about 8 minutes, but having the following at hand could speed up your quote:
  • Your property’s build date - we will often prefill this for you, but you can find the actual date in your mortgage survey or home buyer’s report

  • The date your house was bought or when you moved in 

  • Which locks and alarms are fitted - we provide useful lock pictures to help you out, or check out our locks guide

  • Details and cost of any claims you’ve made in the last five years - this will be stated in your renewal documents, alternatively contact your current insurer

  • Your house’s rebuild cost - we will often prefill this for you, but you can also read our guide on how you could calculate it yourself, or you can hire a chartered surveyor to carry out an assessment

  • The total cost of your personal belongings - if you don’t know this, remember you can use our contents calculator

  • The details of any items worth over £1,000, that you wish to insure

What does home insurance cover?

Home insurance falls into three categories - buildings, contents and combined policies. You can compare all policy types through Confused.com. 

Combined policies are usually only suitable if you own your own home - they insure your property against damage but also cover your belongings in the house under the same insurance policy.

You can also add optional extras to your policy such as home emergency cover and legal cover, but you may find that some providers cover these as standard. Accidental damage cover is another extra worth considering as it covers unintentional one-off incidents that harm your property or its contents, such as putting your foot through the floor when you’re searching around in the loft or spilling wine on the carpet.

Buildings insurance

If you're a homeowner or about to take that next step, then you should consider a buildings insurance policy. Although it's not a legal requirement, some mortgage lenders may insist that you have at least a buildings insurance policy in place, to cover the property.

Buildings cover insures your bricks and mortar against damage from specific events such as fire, flood and subsidence. The policy will normally cover:

  • The building itself (including the roof)
  • Your outbuildings, such as your garage or garden shed
  • Any fitted fixtures, like your kitchen or bathroom

If you need to make a claim, there are several ways the insurer can pay out:

  • Repair the damage caused to the property
  • Replace the damaged part(s) of the property
  • Pay out for the damage in the cash equivalent 

It’s worth considering the level of cover you require as it’s partially based on the rebuild cost of your property. You can use a rebuild cost calculator from BCIS to give you a rough idea of the cost.

It’s important to get the right level of cover for your needs as you don’t want to over or under-insure your property. For more information, please see our guide to buildings insurance.

Contents insurance

If you're renting, your landlord is usually responsible for insuring the building itself, but not your belongings – you should be able to find this out in your tenancy agreement. Contents insurance is generally aimed towards renters, though it's a policy that everyone should consider as a minimum level of cover. 

Contents insurance protects your belongings in the event they are lost or damaged by theft, fire or natural disasters such as flooding or an earthquake.

Insurers consider contents as the items you would take with you if you moved house (i.e. not the fixtures and fittings). Contents insurance generally covers:

  • Your gadgets (e.g. laptop, smartphone, TV)
  • Your furniture (e.g. bookcases, wardrobes, sofas)
  • Clothes and jewellery
  • Family heirlooms and antiques

If you need to make a claim, there are several ways the insurer can pay out:

  • Repair the damage caused to the items 
  • Replace the contents for the same or comparable items 
  • Pay out the cash equivalent   

If you’re not sure how much your contents are worth, check out our handy contents insurance calculator, or visit our contents insurance guide.

Why should I compare home insurance quotes with Confused.com?

  • We've been comparing home insurance since 2006 and we’d like to share our knowledge and tips with you, so that protecting your home doesn't cost the earth.
  • Your home insurance quotes are guaranteed to be the same price as going direct to the insurance providers.
  • We work tirelessly to secure special offers and exclusive discounts for you.
  • You can compare policies by their benefits, not just their price.
  • We treat all your data securely and do not sell any of your information.

We compare quotes for most properties – e.g. high value homes and their contents, listed buildings, and properties that won't be covered by a standard policy such as homes with a history of subsidence, landslip or heave, properties with flood history and tree risk.

After buying home insurance or car insurance, 95% of Confused.com customers would recommend us (based on 3,926 Reevoo respondents - as of 12/04/17). Read our reviews