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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:
Find out how you can cut costs on your home insurance.
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:
We asked policyholders 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 1,173 insurance customers was carried out in December 2020.
Overall satisfaction | Customers who’d recommend | Issuer | Review | |
---|---|---|---|---|
★★★★★ | 84% | ![]() | Aviva is the largest general insurer in the UK. There are three levels of cover to choose from and its customers find it to be reliable and trustworthy. | View deals |
★★★★★ | 81% | ![]() | 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 raved that it was good value and easy to set up and that they felt that the company was trustworthy. | View deals |
★★★★★ | 79% | ![]() | 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 it for its competitive prices and helpful advisors. | View deals |
★★★★★ | 77% | ![]() | 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 commended its quick payouts and excellent service. | View deals |
★★★★★ | 76% | ![]() | Who’d have thought that major supermarket Tesco Bank offers home insurance as well as your local shop? Customer find that it’s great value for money and really easy to renew. | View deals |
★★★★★ | 75% | ![]() | Churchill’s home insurance comes with a wide range of features. Policies can also be upgraded with optional extras such as legal expenses cover and home emergency cover. Its customers find that it is reliable and that there’s an easy claim process. | View deals |
★★★★★ | 73% | ![]() | 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 that it has great customer service, its policies are easy to understand and that it’s cost effective. | View deals |
★★★★★ | 75% | ![]() | Swinton lets you build a home insurance plan that suits you and exactly what you’re looking for. You can also add optional extras to your policy whenever you like. Its customers like that its well priced and reliable and that its staff is helpful. | View deals |
★★★★★ | 73% | ![]() | Getsafe has several different types of cover depending on what you’re looking for, including accidental damage, personal possessions and home emergency. Its customers say that it’s got good customer service and that it’s reasonably priced. | View deals |
★★★★★ | 73% | ![]() | 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 that it’s good value, easy to deal with and competitively priced. | View deals |
★★★★★ | 70% | ![]() | 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 find Halifax to be reliable and supportive and the policies competitively priced. | View deals |
★★★★★ | 68% | ![]() | More Than has several options when it comes to home insurance. Its standard buildings and contents insurance are standalone policies, but you can combine these if needed. Its customers think that it has good prices and that it deals with claims efficiently. | View deals |
★★★★★ | 62% | ![]() | Home Protect’s specialist home insurance is available to homeowners, holiday homeowners, landlords, tenants and students. Basic home emergency and legal expenses cover are included as standard in the broker’s policy and its customers think it offers a helpful and friendly service. | View deals |
★★★★★ | 66% | ![]() | Policy Expert offers two levels of home insurance cover and a range of optional extras. It also compares a range of home insurance policies from other providers. It’s got Defaqto ratings between 3 and 5 stars. | View deals |
★★★★★ | 62% | ![]() | Age Co (formerly Age UK) is an over-50s specialist, but offers cover to customers of all ages. It 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. Customers found it to be reliable. | View deals |
★★★★★ | 61% | ![]() | A newcomer to the home insurance market, Urban Jungle is a modern take on insurance aimed at a younger audience, and particularly renters. Urban Jungle’s customers liked that it has personalised cover and low prices. | 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.
Join Finder now to get this report immediately and many other free benefits, including exclusive tips and deals. It takes just a few seconds!
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