You are here:

Home
Home insurance

Home insurance

Compare cheap buildings and contents insurance

*Based on online independent research by Consumer Intelligence (April 18). 50% of home insurance customers could save £80.13 on a combined policy.

Just three of the great reasons to use Confused.com

"Very easy to use, just enter your details and select which insurance suits your needs. I saved over £180."

Mavis Ravencroft – Confused.com customer

We compare 63 home insurance providers to save you money.

Tesco

Admiral

Liverpool Victoria

Legal & General

What details 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:

Details about your policy

You’ll need to provide the build date of your home along with the date you moved in or bought the property.

Locks and alarm types

Most insurers need to know the type of locks you have on your external facing doors. If you’re unsure, we provide pictures to help you find which locks you have fitted.

Details of any previous claims

This'll be stated in your renewal documents. If you’re unsure you can contact your previous provider for details.

The rebuild cost of your house

We’ll estimate the value of your home or alternatively you can use our rebuild cost calculator to enter your own cost. Another option is to hire a chartered surveyor to carry out an assessment.

Value of personal belongings

Use our contents calculator to help you accurately estimate the value of your personal belongings.

Details of roof type

Which materials are used on your roof ? such as asphalt shingle, tile, slate or thatched.

What kind of insurance should I get?

When you get a quote, we'll ask you what kind of insurance you're looking for. There are three main levels of cover to choose from:

Buildings

Buildings insurance protects the structural part of your home such as the roof, walls and floors, it also covers fixtures and fittings. Buildings insurance is not a legal requirement but most mortgage lenders will insist the cover is in place to protect the property.

Contents

Contents insurance offers protection for your belongings against loss, damage, fire or theft. Items such as laptops, TVs, clothes and furnishings are generally covered. If you’re not sure how much contents cover you need, use our handy contents insurance calculator.

Combined

Combined buildings and contents insurance policies are usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.

We’ve explained the three levels of cover in more detail in our guide to home insurance.

What are the different types of home insurance available?

A standard policy will usually cover a single home for 12 months. But, depending on your needs, other types are available:

Landlord

Also known as buy-to-let insurance, it includes buildings insurance to cover against structural damage. If your rental is furnished you can also consider adding contents insurance.
Find out more

Buildings

Buildings insurance covers the structure of your home if it’s damaged by unexpected events such as fire, flood or subsidence.
Find out more

Contents

Contents insurance covers items such as laptops, furniture, clothes and jewellery. Insurers consider contents as the items you'd take with you if you moved house.
Find out more

Listed building

The rebuild cost of non-standard homes such as listed buildings can be considerably higher than standard properties. Specialist listed building insurance can ensure you have the right cover in place.
Find out more

Student

Student contents insurance offers protection for items like books, clothes, and jewellery against loss, damage or theft. High-risk items like laptops and bikes can be covered as extra add-ons.
Find out more

Contents calculator

Not sure how much your contents would cost to replace? Use our calculator to add up the value of your belongings, room by room.
Find out more

How can I reduce the cost of home insurance?

Our data shows the average cost of a combined home insurance policy is £148. Here are a few tips which can help you cut the cost of home insurance:

Compare quotes

Shopping around is the easiest way to save money. Half of home insurance customers could save £80* on a combined buildings and contents policy.

Increase your voluntary excess

Paying a higher voluntary excess can help reduce your premium, however this means a higher cost in the event of a claim.

Build your no-claims bonus

Building up a no-claims bonus can help reduce the cost of your premium. The more years you go without claiming, the bigger the discount.

Extra security

Make your home safe and minimise the risk of break-ins by installing a burglar alarm. Also making sure you have the correct locks installed on doors and windows can help to reduce your premiums.

Pay annually

Most insurers will charge interest or an admin fee if you opt to pay monthly. Choosing to pay annually will help you keep costs down.

Get a home quote

Takes about 8 mins

or

Retrieve your previous quotes.

Need more help? Take a look at our expert guides

Calculate your house rebuild cost

How much it would cost to rebuild your home?

Lock types explained

Choosing the right locks can help you save money.

Calculate your home contents

Value your home contents and personal belongings.

No-claims discount explained

How to build a no-claims bonus.

Cutting the cost of your home insurance

Tips to save money on your policy.

Home insurance excess explained

Compulsory and voluntary excess explained.

Check out more of our expert insurance guides

Frequently asked questions

Is it essential to have home insurance?

Although it’s not a legal requirement to have home insurance, most mortgage lenders will insist you have buildings cover in place if you’re a homeowner.

What is accidental damage cover?

Accidental damage is typically an unintentional one–off incident that damages either your property or its contents. As it’s not included as standard on policies, adding this as an extra can ensure you’re covered for incidents that would otherwise be excluded.

What is legal cover for home insurance?

Legal expenses cover, also known as family legal protection, is designed to protect you in the event of a legal dispute such as personal injury at your property. It’ll cover legal expenses and costs up to a certain amount. For more information see our guide for legal protection.

What do our customers think?

"Use Confused.com for Car and Home insurance and always seem to get the best deals. Can't fault you!."
Neal Prestidge, January 2018

"It was easy and quick to see the different options for home contents insurance and to go through to my chosen provider."
Jacqueline Jeynes, January 2018

"Really helpful gained a really good deal. Thanks."
Christine Evans, January 2018

"Comparison showed that I was overpaying for home insurance. Got the same cover for much less and switching was easy."
Anonymous, January 2018

"User friendly and found excellent deals. Saved hundreds of pounds through Confused.com compared to dealing direct with insurance company."
Rhiannon Williams, January 2018

"Very easy to find the right insurance for me at a reasonable price – much cheaper than other sites. Will be using Confused.com again."
Lynne Nelson, March 2018

Tools

Moving home or looking to get insured? We've got tools and calculators to help!

Our expert guides

View All guides

My Neighbourhood

Use our handy tool to look at house prices, insurance costs and school ratings in your area.