Switching home insurance providers

Not getting what you need from your current home insurance? Switching could save you money or get you better cover.

We'll show you how it works, what to check, and how to switch smoothly - whether you're at renewal or still mid-policy.

Why should I switch home insurance?

There's no 'one-size-fits-all' answer when it comes to why you might switch home insurance provider - it depends on what's going on in your world. But if any of these sound familiar, it could be time for a change.

• Your renewal has crept up and you're not sure it's worth it.
• You've found a new policy that gives you more for your money.
• You're feeling let down - maybe by slow service or a claim that didn't go smoothly.
• Life looks different. Maybe you've moved house, started renovating or just need a policy that fits better now.

How do I switch home insurance?

It's easier than you might think!

Here's how to go about it:

Think about the cover you need

Circumstances change all the time. Maybe you've got a few new bits to protect, or something sentimental tucked away for safekeeping. Now's the time to reassess your cover and tweak it to suit you.

Shop around

It can be tempting to stick with your current policy. But if you're keen to cut costs, a quick comparison could be worth it. Make sure to read the policy docs carefully, have a read through customer reviews, and see what optional extras are available.

Make the switch

Found a new policy that ticks your boxes? Great stuff! Just make sure it kicks in when your current one ends. That way, you'll avoid any accidental gaps in cover.

Let your current provider know

Most home insurance policies auto-renew, so tell them you're moving on. It'll help you avoid doubling up - so you won't be paying for 2 policies at once.

Are there any drawbacks to switching home insurance companies?

Switching can make sense - especially if you're saving money or getting better cover. But it's worth checking a few things first:

• Policy exclusions - always read the small print. Some policies might exclude things others include as standard, so make sure you're not missing anything important.
• Cancellation fees - if you're within the cooling-off period (usually 14 days), switching is often free. Outside of that, your insurer might charge a fee to end your policy early.
• Loyalty perks - some insurers offer discounts or extras for sticking around. Switching might mean waving those goodbye - so weigh it up.
• Bundled cover - if your current policy combines buildings insurance and contents insurance, make sure you select the same cover when switching. It's also a good time to check how much you're covered for - and bump it up if needed.

What else should I think about when switching home insurance?

Switching is the perfect chance to double-check your cover and make sure you're protected for the things that matter most.

If you want them included, now's the time to be sure:

• Important documents - things like deeds, passports and certificates might not seem like much, but replacing them can be costly. Check if they're covered, and up to what limit.
• Valuable extras - if you've added personal possessions cover or specific high-value items to your current policy (like jewellery or art), make sure they're listed on your new one too.
• Alternative accommodation - if your home's ever unliveable, this cover can pay for somewhere else to stay. Not all policies include it as standard, so make sure you read the policy wording carefully to be sure.
• Your home's rebuild costs - Your buildings insurance should cover the full cost to rebuild your home if disaster strikes. Make sure the amount you're covered for reflects the true rebuild value - not the market price of your property - as you could end up paying more than needed.

Can I switch home insurance at any time?

You can, yes.

There's nothing stopping you from switching mid-policy, but you might need to pay a cancellation fee. You'll also likely lose any benefits your current insurer offers, like loyality perks you've build up.

Most people choose to wait until their renewal period to switch as that's usually when the best deals are available. According to our data, the best time to look for new home insurance policies is around 28 days* before your policy inception date.

If you're thinking about switching early, it's worth taking the time to consider if it's the right move. If the savings are big or the new policy offers better protection, it could be a smart move. Otherwise, it might be better to just sit tight until your renewal rolls around.

And if you've built up a no-claims discount, check if your new provider will let you bring it with you.

*Confused.com data, Q2 2025

Ready to explore your coverage options? We can help

We're here to help you get what you actually need - whether that's builldings, contents or both.

When you get a quote, you can pick the type of cover that suits your home best. We'll only show you options that match what you need.

It takes around 8 minutes - but it's time well-spent to make sure you get the right protection at the best price.