Post Office home insurance

The Post Office currently offers motor, pet, travel, life and home insurance through the 11,500-plus Post Office branches, online and via its call centres.

We compare up to 80 insurers1, including quotes from The Post Office. 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 means you may or may not get a quote from The Post Office.

You can find out more about The Post Office home insurance below, or if you're ready to start comparing just click on the quote button.

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1Correct as of July 2024

Why choose Post Office home insurance?

  • Two cover levels to choose from
  • 24/7 UK-based call centres
  • Free legal helpline

Who is the Post Office?

Post Office Limited has a long history, being formed following the restoration of the monarchy in 1660 as the General Post Office.

It began offering postal services to the masses in 1661 in tandem with the Royal Mail, which undertook delivery services.

In more recent times the City of London-based operation has branched out, notably in 2015 when Post Office Money was formed.

It currently offers motor, pet, travel, life and home insurance through the 11,500+ Post Office branches across the UK, as well as online and via its call centres.

In just over half a decade, Post Office Money has grown to the point where it now employs 43,000 people in its insurance business.

The Post Office is accountable to the government, being required to present its annual report to parliament since the introduction of the Postal Services Act. This requirement adds weight to the argument that its customers are in safe hands. 

Post Office buildings insurance and contents insurance policies have been underwritten by Ageas as of 2000. Since then, the two have worked to ensure policies are clearly worded and fewer questions require answering to secure cover.


Post Office home insurance policy details

The Post Office offers a selection of home insurance policies and types. Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying home insurance, we recommend you check the cover and benefits included.

We compare Post Office combined home insurance policies, as well as individual buildings and contents insurance policies.

With each policy type, there are two levels available: Silver and Gold. 

Home building insurance icon

Buildings insurance typically covers the actual structure of your home, including permanent kitchen and bathroom fittings, against damage.

The Post Office's buldings insurance also includes:

Up to £1,000,000 of cover as standard.

Alternative accommodation cover if your home is rendered uninhabitable. The Post Office will cover the cost of staying somewhere else up to £200,000 on its Silver policy. There’s no upper limit with the Gold policy.

Replacement locks and keys if your keys are lost, stolen or damaged. You’ll be able to claim up to £1,000 to repair or replace your locks on a Silver policy. With a Gold policy you’ll be able to claim up to £1,000,000.

Trace and access cover to find and fix costly leaks that may damage your property. With The Post Office’s Silver policy, you’re covered up to £5,000 for a plumbing service. With Gold the upper limit is up to the buildings sum insured.

Acquired disability cover of up to £10,000 with a Gold policy. This gives you cover for any changes that need to be made to your home if you become permanently physically disabled. This benefit is not offered with the Silver policy.

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Home contents insurance icon

Contents insurance covers any belongings within your home and personal possessions that you take outside the home. You're usually protected against loss, theft or damage.

The Post Office's contents insurance also includes:

Two levels of insurance to choose from providing you with up to £80,000 of cover if you choose a Silver level policy, or £100,000 if you opt for Gold.

High value item cover for things like jewellery and expensive electricals, up to a total of £24,000 or £30,000, depending on whether you have Silver or Gold cover. Items up to £2,500 are covered as standard.

Garden Cover for loss, damage or theft of hedges, lawns and plants up to £1,000 with Silver level policies, and  up to £1,500 with Gold level ones.

Home entertainment equipment cover up to an unlimited amount with both the Post Office's Silver and Gold level policies.

Matching sets cover for things like three-piece suites that exist in a set, but where only one piece of the set is damaged. Matching sets cover will help you repace the whole set. Available with Gold policies only.

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Post Office optional extras

The Post Office also offers home insurance policy bolt-ons for an additional fee. These allow you to customise your cover and ensure it does everything you need it to.

Their bolt-ons include:

Home Emergency cover: This prevents damage or further damage to your home by events such as heating or plumbing failures, power supply failure and damage caused by vermin.

Family legal protection: Thisprovides legal advice and guidance for dealing with legal issues, and provides legal representation where needed.

Contact Post Office home insurance

If you need to contact Post Office home insurance, you can reach them via their website.

You can also email them at:

Need to send them something in writing? You can find them at:

Post Office Money,
Finsbury Dials,
20 Finsbury Street,

The Post Office is authorised and regulated by the Financial Conduct Authority (firm reference no. 630318). Their registered address is:

100 Wood Street,

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Page last reviewed: 04/07/2023

Reviewed by: Matthew Harwood