Churchill’s home insurance is 5-star Defaqto-rated home insurance and comes with a wide range of features. Policies can also be upgraded with optional extras such as legal expenses cover and home emergency cover. Here’s what else we think you should know about Churchill.
Churchill, whose nodding bulldog has graced many an advert, offers a wide range of financial products including home, car, travel and pet insurance.
Established in 1989, Churchill was one of the first direct car insurers in the UK.
Churchill became part of the Royal Bank of Scotland Group after being acquired in 2003, but since 2012 it has been part of the Direct Line Group.
Churchill offers two different types of home insurance: Home Insurance and Home Plus.
Both of these options include buildings and contents insurance but buildings insurance and contents insurance can also be bought separately or combined as needed.
| Cover features | Home Insurance | Home Plus |
|---|---|---|
| Buildings sum insured | £1 million | Unlimited |
| Accidental damage cover | x | ✓ |
| Alternative accommodation | £25,000 | £50,000 |
| Trace and access of leaks | £5,000 | £10,000 |
| Property owners’ liability | £2 million | £5 million |
| Contents sum insured | £50,000 | £100,000 |
| Internal items of home | £2,000 per item | £4,000 per item |
| Accidental damage cover | x | ✓ |
| Alternative accommodation | £15,000 | £30,000 |
| Contents taken out of home temporarily | £5,000 | £10,000 |
| Personal liability | £2 million | £5 million |
| Employer’s liability | £5 million | £10 million |
| Matching sets and suites | x | ✓ |
| Personal possessions | x | ✓ |
| Cover for items taken out of home | £2,500 | £5,000 |
| Money | £500 | £1,000 |
| Bicycles | £500 per bike | £1,000 per bike |
| Legal expenses cover | x | ✓ |
| Home emergency cover up to £500 per call-out | x | ✓ |
| Contents in garden | ✓ | ✓ |
| Key cover | ✓ | ✓ |
Churchill offers a range of additional protection to bolt onto your home insurance policy, including:
Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount. A compulsory excess amount might vary depending on the age of your van and your driving experience.
A voluntary excess is on top and is normally set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which should lower your premium.
With Churchill, you have the option of choosing your voluntary excess of between £100 and £500. There are also compulsory excesses for Churchill’s building insurance including £1,000 for subsidence, heave or landslip and £450 for escape of water.
You’ll find details about any compulsory or voluntary excesses in your policy document.
There are a number of factors that can affect the cost of your Churchill home insurance premium, including:
You should call the 24-hour Churchill claims line on 0345 603 3599.
Churchill recommends you have the following information to hand when making a claim:
It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.
In our 2024 customer satisfaction survey, 77% of customers stated that they would recommend Churchill to a friend. Churchill is described by customers as competitively priced with a friendly customer care team.
One customer commented: “Because of their excellent customer service and a straightforward approach, I was provided peace of mind and reliable coverage.”
Another customer stated: “Making a claim on my home insurance policy was hassle-free and straightforward.”
Several have said that Churchill offers good home insurance cover and they have the trust to continue to renew with Churchill.
Finder scores, in blue, are based on our expert analysis of policies. We also show reviews from users, where we've received more than 10, in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
To find out more, read our full methodology.
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