Just three of the great reasons to use Confused.com
"I found this site very helpful and made choosing my home insurance extremely easy and straightforward."Jenny – Confused.com customer
We compare 65 insurance companies to save you money on your home insurance.
What is home insurance?
Home insurance is a type of insurance that financially protects your home and its contents from events beyond your control. For example, if your contents were stolen or your home was damaged in a fire, you can claim on your home insurance to recover the cost of any repairs or replacements.
What does home insurance cover?
There are two types of cover you can get, buildings insurance and contents insurance. These can be bought separately or combined into one policy based on your needs. Buying a combined home insurance policy from the same insurer is often cheaper than taking out two separate policies.
What type of home insurance do I need?
The type of home insurance you need depends on what you’d like to cover. Our home insurance expert, Jessica Willock, gives her advice on the different policy types to help you decide.
If you own your home, taking out a buildings and contents insurance policy tends to be the most popular option among homeowners. A combined home insurance policy like this could help lower the premium you pay and save you money. It’s worth noting that most mortgage lenders will insist you have at least buildings insurance in place to protect your property.
If you’re renting a property and want to cover your possessions, you’ll need tenants insurance. Also known as contents insurance for renters, it covers your personal belongings. It’s a good option if you live in a rental property and want to protect your contents from damage or theft. You won’t need buildings insurance though, that’s your landlord’s responsibility. Learn more about tenants insurance
If you’re a landlord it’s your responsibility to protect the building and depending on whether the property is furnished, its contents. If you need buildings and contents cover you should consider adding both under one landlord insurance policy. You can add extras to your policy for things like accidental damage, home emergency and legal cover. Learn more about landlord insurance
If you’re a student and you want to protect your belongings like laptops, electricals and musical instruments while you’re away from home, contents cover could help you. Learn more about student contents insurance
If you live in a listed building the cost to replace or repair your home could be higher. Unlike newbuilds, listed properties need to be repaired using original materials and expert methods. Learn more about listed building insurance
If you’re going away for more than 30 days and your property will be left unoccupied, you’ll want to make sure your buildings and contents are protected while you’re not there. Learn more about unoccupied home insurance
Once you’ve decided the type of home insurance you need, it’s time to find the right policy at the best price. Comparing home insurance quotes is a great way to get a cheaper deal compared to renewing an existing policy or going with the first insurer you find.
How much does home insurance cost?
There are 3 home policies to choose from. The average annual prices* for each are:
Buildings and contents
*Feb 2021 data - top average premiums by product type excluding quotes with claims or accidental damage
How to compare home insurance quotes
Use our comparison service to find home insurance policies from over 65 trusted insurance providers. See what deals they can offer you for your home all in one place.
Getting a quote takes about 8 minutes and if you’ve used us before, it’s even quicker.
When you’re ready to start a new home insurance quote, follow these simple steps.
Fill in your details
Fill in some details about your home and belongings to help us find the cover you need.
We’ll compare home insurance deals from the 65 insurers we work with to help you find the best price.
Choose your insurer
We’ll show you a list of quotes and offers from insurance companies. Simply choose the best option for you.
The details you need to get a home insurance quoteGetting a home insurance quote is quick and easy but having the following details to hand could help speed things up.
Home insurance add-ons for extra cover
There are a number of additional features you can add to your home insurance policy for extra cover, including:
Ultimately it’s your decision on whether you need any of these extras. You may find some insurance providers offer these add-ons as standard, so it’s worth checking the small print of any home insurance policy to see exactly what’s covered.
If you’re working from home as a result of coronavirus, it won’t affect your home insurance policy.
Any work laptops or equipment should be covered under your employer’s liability insurance.
If you’re worried about any personal equipment getting damaged, check your contents policy to see your cover limits and exclusions.
There are a few things that can affect how much home insurance costs, including:
The amount of excess you pay is up to you and what works best with your circumstances. If you can afford to pay a higher excess in the event of a claim it could lower the cost of your premium, saving you money.
Yes, flood insurance is usually covered in most home insurance policies but it’s worth checking the finer details with your provider.
The ABI (Association of British Insurers) launched the Flood Re. scheme in 2016, to help those living in flood risk areas find affordable home insurance. All home insurance providers in the UK pay into the scheme, with the money raised used to cover homes at risk of flooding.
Yes and no. Most insurers cover smaller DIY claims like drilling through a pipe, but if you’re planning on doing major building work like renovating an attic or adding a conservatory, you need to contact your insurer.
This is to make them aware of the potential risks associated with the construction work. Although this might increase the cost of your premium, it’s important to have the right cover in case you need to make a claim while the building work is taking place.
No, most home insurance policies don’t cover boilers as standard. Boiler breakdown is often covered under home emergency, an additional extra you can choose to add to your policy when you get a quote.
If you want to protect any belongings you carry with you outside the home like your mobile phone, bags or jewellery, you’ll need to add personal possessions cover as an extra.
Some insurers include this as standard, but you can add it to your contents policy.
This covers items worth less than £1,000 each away from home. You can add cover for high value items worth more than £1,000 or laptops and bikes in your quote.
It’s not a legal requirement to have home insurance but it can help to give you peace of mind if something happens. It’s worth noting that if you’re buying a house, most mortgage lenders require you to have buildings insurance in place to cover the structure of the property.
If you need to claim on your home insurance, contact your insurer as soon as possible to provide details, receipts, and any photographic evidence of the incident. Having this information to hand will help them process your claim faster.
Insurers will look at your credit score to check your financial profile, verify your identity to help prevent fraud and to provide you with their best premium and payment options but it shouldn’t affect the price you pay.
Roof leaks will be covered under your home insurance if you have home emergency cover. Cover for roof damage can be included as standard with some insurers but always check your policy details to be sure.
Trace and access means finding out where a potential leak is coming from. It’s included in most home insurance policies.
Still got questions? Take a look at our full list of FAQs.
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