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The situations covered by your home insurance will vary depending on the insurer you choose and the level of cover you opt for. However, the best policies generally provide cover against the following:
It is important to be aware of what you won’t be covered for under home insurance. Generally any damages caused by the following instances would not result in a home insurance payout:
The cost of home insurance depends on a number of different factors, including the type of policy you want to take out. However, the price of your policy is a crucial factor when comparing and choosing home insurance policies. When calculating the price of your home insurance, an insurer will consider the following factors:
It is important to remember that the cheapest home insurance isn’t necessarily the best home insurance. If you’re looking for the cheapest insurance cover for your home, the single most important thing you can do is compare. Shop around for the best deal on the right kind of policy for you. This will help you make sure you are getting true value for money.
It is important to watch out for these common traps when comparing home insurance cover:
There are a few different types of home insurance policies out there, so you will need to decide which one is the right one for you. Below are examples of some of the types of home insurance you can find cover for:
Building insurance protects the brick and mortar structure of the home from things like fire and flood.
Contents insurance covers the items in your home, from TVs and computers, to furniture, clothing and jewellery.
Tenants insurance covers loss or damage to your possessions, but can also cover any accidental damage you may cause to the rental property.
We asked policy holders to rate their satisfaction with their insurance company, and whether they’d recommend it to a friend. We’ve shown both for each brand in the table below. Our independent survey of 750 insurance customers was carried out in December 2019.
|Overall satisfaction||Customers who’d recommend||Issuer||Review|
|★★★★★||81%||Tesco Bank is not only the largest supermarket chain in the UK, but also the winner in our home insurance category. Customers in our survey told us they love the great service and the fact you can earn extra Clubcard points with your premiums.||View deals|
|★★★★★||78%||Our second place goes to another ‘largest’ – Aviva, the largest general insurer in the UK. There are three levels of cover to choose from here and the company is trustworthy, reliable and easy to deal with, according to customers.||View deals|
|★★★★★||78%||Churchill and its nodding dog offer standard home cover, as well as a premium policy with some extra benefits. Customers surveyed praised the competitive rates and good levels of service.||View deals|
|★★★★★||76%||Popular high-street bank Halifax offers two levels of cover – Limit and Ultimate Limit. It also offers Renters insurance with a good range of benefits. Customers praised the great customer service, both online and in branch.||View deals|
|★★★★★||75%||Direct Line has three levels of home insurance cover to choose from, including its Select Premier policy, which features unlimited contents and building cover. Customers in our survey reported reasonable prices and a good service.||View deals|
|★★★★★||71%||With two levels of cover to choose from – Home and Home Plus, and a flexible approach to contents insurance, LV= is a strong option for home insurance. LV= customers praised the good value of the cover on offer, as well as the efficient service and claim handling process.||View deals|
|★★★★★||66%||Saga is a specialist insurer catering to the over-50s market, offering two levels of home insurance cover. The policy can be tailored to your needs and customers praised its good value and ease of application.||View deals|
|★★★★★||66%||AXA has three levels of home insurance cover – HomeSmart, HomeSure and HomeSafe. The benefits offered differ with each level, but customers in our survey reported competitive prices and a great service across the board.||View deals|
|★★★★★||68%||Another over-50s specialist that is open to customers of all ages, Age Co (formerly Age UK) only has one level of home insurance cover, but it’s a decent one. The policy comes with the extra benefit of access to 24/7 legal advice and a free identity theft advice line.||View deals|
|★★★★★||64%||Admiral has three levels of home insurance available, with the Basic one being pretty limited, but the Platinum policy offering very comprehensive cover. Customers surveyed said they were satisfied with the levels of cover and service offered by the company.||View deals|
Finder published a paper in July 2020 on how the coronavirus pandemic, and subsequent rise in home working, are affecting the home insurance industry. Our paper includes original research and predictions from experts including Jimmy Williams, CEO of Urban Jungle; Amy Brettell, head of customer for UK claims at Zurich; Mark Eastham, CEO of Avantia; Yasha Kuruvilla, analyst at consultancy GlobalData; and Laura Hughes, property insurance policy manager at the ABI.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.