Home insurance

You could save up to £73* on your home insurance

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Takes about 8 mins

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*Based on online independent research by Consumer Intelligence (June '17). 50% of home insurance customers could save £73.24 on a combined policy.

What does home insurance cover?

Home insurance falls into three categories - buildings, contents and combined policies. Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs. 

Combined policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.

You can compare all three policy types through Confused.com.  

You can also add optional extras to your policy, such as home emergency cover  and legal cover  – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents. For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.

Buildings insurance

If you're a homeowner - or about to become one - then you should consider a buildings insurance policy. Although it's not a legal requirement, many mortgage lenders insist that you have buildings insurance in place to cover the property.

Buildings cover insures your bricks and mortar against damage from specific events such as fire, flood and subsidence. The policy will normally cover:

  • the building itself (including the roof)
  • your outbuildings, such as your garage or garden shed
  • any fixtures and fittings, like your kitchen or bathroom

If you need to make a claim, there are several ways the insurer can pay out:

  • repair the damage caused to the property
  • replace the damaged part(s) of the property
  • pay out the cash equivalent for the damage 

The level of cover you require is partially based on the rebuild cost of your property. You can use a rebuild cost calculator from BCIS to give you a rough idea of this. 

It’s important to get the right level of cover for your needs, as you don’t want to over or under-insure your property.

Contents insurance

If you're renting, your landlord is usually responsible for insuring the building itself, but not your belongings. This should be confirmed in your tenancy agreement.

Contents insurance is generally aimed towards renters, though it's a policy that everyone should consider as a minimum level of cover

Contents cover protects your belongings in the event they're lost or damaged by theft or fire. It can also cover natural occurrences such as flooding.

Insurers consider contents as the items you'd take with you if you moved house.

Contents insurance generally covers:

  • your gadgets (eg laptop, smartphone, TV)
  • your furniture (eg bookcases, wardrobes, sofas)
  • clothes and jewellery
  • family heirlooms and antiques

If you need to make a claim, there are several ways the insurer can pay out:

  • repair the damage caused to the items 
  • replace the contents with the same or comparable items 
  • pay out the cash equivalent   

If you’re not sure how much your contents are worth, check out our handy contents insurance calculator.

If you’re a student going to uni, it’s definitely worth considering student contents insurance to protect against loss, damage or theft of items such as laptops and bikes.

What do I need to get a quote?

Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:
  • Your property’s build date: We usually fill this in for you, but you can find the actual date in your mortgage survey or home buyer’s report

  • The date you bought your house or when you moved in. 

  • Locks and alarms: We provide useful lock pictures to help you find which locks you have fitted

  • Details and cost of any claims in the last five years: This'll be stated in your renewal documents. Alternatively contact your previous insurer. 


  • The rebuild cost of your house: We often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.

  • The total cost of your personal belongings: If you don’t know this, you can use our contents calculator.

  • The details of any items you wish to insure that are worth over £1,000. 

  • Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.

Need more help? Take a look at our expert guides


Accidental damage explained

wine spill

What's covered under accidental damage on your policy?

How to cancel your home insurance

how to cancel home insurance

Find out what you need to know.

Lock types explained

lock typres explained

Know importance of having the right locks fitted.

Moving house checklist

moving house

Let us help you get organised for the big day.

First time buyers guide

for sale signs

A 10-step guide to buying your first home.

Tenants insurance

Moving boxes

Getting contents insurance when you're a tenant.

Check out more guides to home insurance

What do our customers think?

"Very easy to use and very helpful." 5/5
James Heron, April 2017.

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Very good, they found the right type of Home insurance cover and the price
was much less than I was paying before for less cover." 5/5
Geoffrey Noble, April 2017.

"Easy to use website, and found a good home insurance deal." 5/5
Verified Buyer, April 2017.

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After buying home insurance or car insurance, 96% of Confused.com customers would recommend us (based on 611 Reviews.co.uk respondents - as of 19/06/17). Read our reviews