Rias home insurance

Rias are a well known name in the insurance market, offering car, travel and home insurance cover to their customers.

When you compare home insurance quotes with us, we match your requirements against the insurer's criteria, to see if they'll offer you a quote. This panel of insurers includes Rias, but you may not be shown a quote from them if they don't best match the information you gave as part of your quote.

You can find out more about Rias and their house insurance below, or if you're ready to start comparing quotes, just click the 'get a quote' button below.

See if Rias can offer you a home insurance quote

Get a quote

Why choose Rias home insurance?

Rias has been a reliable name in home insurance for over 25 years.
They have a UK-based customer service team ready to help fast, plus a 24-hour emergency hotline for urgent claims, so you're never without support.
Rias's home insurance is also rated 5 stars by Defaqto, so when it comes to excellent cover and service, the proof's really in the pudding.

Who is Rias home insurance?

Rias was purchased by Ageas in 1997, which is the UK's 11th largest home and car insurance provider.

Rias has built a reputation for making home insurance simple and stress-free. Their customers seem to agree, rating them an impressive 4.2 out of 5 on Trustpilot. This shows they deliver on their promise of providing a reliable and straightforward service.

What does Rias buildings insurance cover?

Buildings insurance covers the cost of rebuilding or repairing the main structure of your home, including its walls, roof, and floors. It also protects the permanent fixtures, like windows, fitted kitchens, and bathrooms.

Rias buildings insurance can cover:

Lost or stolen keys: Replaces your locks if your keys are lost or stolen outside of your home.
Alternative accommodation: Provides somewhere for you to stay if your home becomes unliveable for a covered reason.
Water and oil leaks: Covers damage from leaks caused by a domestic heating system or fixed appliances, as well as the cost of tracing where the leaks are coming from.
Land movement: Protects against damage caused by subsidence, landslip, or heave.

What does Rias contents insurance cover?

Contents insurance is designed to cover everything inside your home - aka, all your personal possessions.

Rias contents insurance can cover a wide range of items and situations, including:

Money and credit cards: Protects cash and cards while they're in your home.
Frozen food: Covers the cost of food that spoils if your fridge or freezer breaks down.
Gardens and outbuildings: Protects the contents of your garden, shed, or garage.
Visitors' and students' possessions: Covers belongings of your guests or family members who are students living away from home.
Moving home: Your possessions are covered while they are in transit from your old home to your new one.

Important documents: Protects your deeds and other important papers.
Accidental damage: Covers accidental damage to fixed glass in mirrors or furniture, as well as gadget cover for things like TVs and laptops.
Digital downloads: Covers the cost of legally downloaded items, such as music or films.
Special occasions: An automatic 10% increase in your contents sum insured to cover gifts and presents a month before and after a wedding, during the month of a religious festival, or a month before a family member's birthday.
Unexpected events: It can cover your contents from unexpected events such as flood damage, fire, and theft.

What Rias customers say:

“Very easy to complete and good insurance cover at a competitive price.”

Tony - Rias customer (September 2025)

Rias scores a 4.2 out of 5 rating
based on 11884 reviews as of 18/09/2025

Rias house insurance optional extras

Rias also offers these optional add-ons for enhanced cover:

Garden Secure: Provides enhanced cover for damage or theft of outdoor items like fences, hedges, lawns, plants, and gates.
Home Protection: Gives you home emergency cover for anything that requires immediate assistance, such as a burst pipe.
Home Protection Plus: This is the same as the Home Protection add-on, but it also includes cover for your hot water and heating systems.
Personal Legal Protection: Offers up to £50,000 of cover to assist with a range of legal matters.

When you get your quote, it's always a good idea to review the details carefully to make sure you're getting exactly the cover you need.