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Home insurance for over 60s

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1Correct as of March 2024

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How can I compare home insurance quotes?

Tell us about yourself

We need to know about you, your home, the type of cover you want (buildings, contents or combined) and any add-ons you need.

We'll do the hard work

Once we've got your details, we'll compare quotes from up to 76 trusted insurance companies1.

Select and buy your policy

Compare policies to find the best insurance package that suits your needs, then go ahead and buy.

Choose your reward

Once you've bought a policy, don't forget to claim your free monthly hot drink and choose your reward**.

Is home insurance for over 60s cheaper? 

Yes, generally if you're over 60 you can expect to pay less for your home insurance compared to younger homeowners. But this is dependent on your personal circumstances.

Our data shows that over 60s pay around £39 less annually for their home insurance than younger homeowners*.

Average cost for over-60s


Average cost for under-60s


*Based on Confused.com data, January - March 2024. The average combined buildings and contents home insurance policy for over 60s was £160.73. Those below the age of 60 paid an average of £199.89 for the same type of policy.

Why is home insurance for over 60s cheaper?

  • Over 60s home owners are likely to be more experienced with the upkeep and maintenance of their property.
  • Homeowners over 60 are likelier to work part-time or be retired. Spending more time at home could deter burglars or vandals from targeting your property.
  • Having experience in buying home insurance, over 60s are likely to be more accurate when estimating how much buildings and contents cover they need.

How much is over 60s home insurance

The average annual cost* of home insurance for over 60s is:

Contents insurance


Buildings insurance




*Based on Confused.com data, January-March 2024

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Rewards from Sainsburys, Paramount+, Just Eat, Halfords and Greggs when you get a quote and buy through Confused.com

**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. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply

What do I need for an over 60s home insurance quote?

To get a home insurance quote you'll need to tell us a few things, this should only take a few minutes:

Your home's build date

You should be able to find this on your mortgage survey or home buyer's report. If you can't find it, we'll estimate it for you.

Details of any previous claims

Tell us whether you've claimed on your home insurance in the last 5 years. If you have, the information should be on your renewal documents. If you can't find them, contact your previous home insurance provider.

Details of your home security

Tell us what security devices you have if any, as well as the types of locks your house has. If you aren't sure what type you have, you can use the pictures we include in our quote form to identify them.

The rebuild cost of your home

Your mortgage valuation report or a surveyor's report would highlight this, you can also find this on the deeds. If you have none of these, we'll help you calculate the rebuild cost of your home when you get a quote.

The value of your contents

If you need help valuing your contents, you can get an estimate using our contents calculator.

The type of roof your home has

For example, if it's slate, tile or thatched. We'll also need to know if you have a flat roof covering any part of your property.

How can I get cheaper over 60s home insurance?

There are a number of ways you can reduce what you pay:

Shop around

Don't settle for your auto-renewal price without shopping around first. Comparing quotes with websites like Confused.com could help you save money when buying your home insurance policy.

Increase your excess

Increasing your voluntary home insurance excess - the amount you pay towards a claim - could see your costs come down. Only choose an amount you can afford to pay though, in the event of a claim.

Pay annually

Insurers charge interest if you decide to pay monthly, meaning a higher overall cost. If you can afford to, it's always cheaper to pay for your home insurance annually.

Don't over insure

Make sure you have the right amount of cover. Overestimating the cost of replacing your contents can lead to you paying more than you need to for insurance. Optional extras can offer more cover, but removing them if you don't need them, could bring your costs down.

But it's also important not to under insure, which could leave you out of pocket if you underestimated the value of your home and contents. You can use our contents calculator to get an idea of the value of your possessions.

Improve your home security

Having a burglar alarm system, and changing to more secure locks can reduce the risk of being burgled and help keep your home insurance costs down.

Do I need insurance if I’ve paid off my mortgage?

Paying off your mortgage and owning your home outright means you are not required by a lender to have home insurance.

Lenders normally need you to have at least buildings insurance for the mortgage to be valid. So with no mortgage, there's no compulsory need for you to have home insurance.

Despite that, it's worth considering as a policy could protect you against enormous costs if anything happens to your property or contents.

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What add ons are available for over 60s policies?

Optional extras for over 60s policies can also be available when buying standard home insurance. Some may already be included in your policy, or they may be added for an extra cost.

High-value items cover

Get extra cover for individual items in your home that are worth over £1,000. Items exceeding the single item limit might not be covered by your standard contents insurance policy.

Home emergency cover

This add-on can provide cover for sudden or emergency issues affecting your health or safety. For example, if a broken boiler leaves you without heat or hot water.

Accidental damage cover

Accidental damage cover protects you from unexpected and unintentional damage. It's available for both contents and buildings insurance. Contents accidental damage covers things like carpets, furniture and fixtures. Accidental damage for buildings insurance covers the structure of your home itself.

Legal protection

Legal expenses cover can pay for any legal costs relating to your home. This includes any legal disputes with your neighbours or tradespeople. It can also cover employment disputes.

Personal possessions cover

This can insure your belongings when you take them out of the home. This can include things like laptops, phones or expensive jewellery such as watches and wedding or engagement rings.

Alternative accommodation

If your home suddenly becomes uninhabitable, your insurer will help you find somewhere to stay and cover the costs.

How much cover do I need?

How much cover you need is dependent on your personal circumstances.

Your buildings insurance can depend on what you estimate it would cost to rebuild your home from scratch. We can help you calculate the value of everything you own to provide you with an estimate for contents insurance. To do this, go room by room and make a list of everything in the house and how much each item would cost to replace.

You might not need a buildings insurance policy if you're moving into a retirement home. It's often covered by the retirement home, and may be included in your management fee.

It's worth checking what's included under the retirement home's insurance policy before you move in. They may not provide cover for your belongings, so you might need to buy a separate contents insurance policy.

The benefits of over 60s home insurance

Buying over 60s cover can often come with a range of benefits you don't normally see on a standard home insurance policy.

Depending on the policy you buy and the provider you decide to go with, these can include:

  • Higher levels of cover as standard: for extras you might normally pay for included at no extra cost. Single item limits may be higher too.
  • Extended unoccupied home cover: provides longer cover than the usual 30 days, making it easier to spend time away from home.
  • Cover for mobility aids: like scooters, stair lifts or electric wheelchairs.

There are specialist providers who only offer insurance to over 60s, such as Saga. This means you might have a wider range of insurers to choose from.

It's entirely your choice, you aren't limited to these specialist policies - you can still buy a standard policy, and you might pay less than younger homeowners.

When you get a quote, we'll show you prices from both specialist and standard insurers. So you can be sure you're making the right choice and getting the best price available to you.

Why choose Confused.com?

We're 100% independent

We're not owned by any insurance company, so we'll always show you our best available prices no matter who they're from.

Specialist insurers

We offer quotes from specialist over 60s providers as well as the UK's leading and trusted companies.

We're rated 'Excellent' on Trustpilot

96% of our customers would also recommend us on Reviews.io.

Great rewards

Choose a reward when you buy home insurance with us. You can choose from 4 great rewards**, including a free hot drink from Greggs every month.

Compare home insurance quotes from up to 76 insurance companies1

1Correct as of March 2024

What our home insurance expert says

‘’We have a range of specialist home insurers for over 60s. These could be a good option as some often include more extras and benefits compared to standard home insurance. 

"Whether you choose a specialist policy or not, you should still see better prices than lower age groups. This is due to many factors including having more experience with home ownership. We can show you quotes from up to 76 companies to help you get the best insurance for your needs.’’

Matthew Harwood, Home & lifestyle insurance expert at Confused.com
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Page last reviewed: 02 May 2024

Reviewed by: Matthew Harwood