Your home is your castle (even if it’s a rented one) and you want to ensure that it’s covered. “Home insurance” can mean cover for a building, its contents (your possessions) or both. There’s a wide variety of policies and prices – some companies even offer several tiers of cover, as well as additional extras – and the excess you pay can differ too. So it’s worth knowing what to look for when you’re buying cover so you get what you need and don’t pay over the odds for it.
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 1,448 insurance customers was carried out in December 2021.
|Overall satisfaction||Customers who’d recommend||Issuer||Review|
|★★★★★||85%||The supermarket chain that also does banking and insurance was praised for its affordable cover, in our survey. Tesco Bank Customers found the brand easy to deal with, too.||View deals|
|★★★★★||82%||Direct Line has 3 levels of home insurance cover to choose from, including its Select Premier policy, which features unlimited contents and building cover. Customers in our survey praised “efficient” and “helpful” service.||View deals|
|★★★★★||80%||Saga is a specialist insurer catering to the over-50s market, offering 2 levels of home insurance cover, Select and Plus. Customers praised the brand for being reliable and fast. One cited her “no quibble payout”.||View deals|
|★★★★★||80%||With 2 levels of cover – Home and Home Plus – and a flexible approach to contents insurance, LV= is a strong option for home insurance. LV= customers praised the brand’s good communication, including during claims. Premiums were “reasonable”, too.||View deals|
|★★★★★||76%||Aviva is the largest insurer in the UK. It offers cover for buildings, contents or both, with a string of optional add-ons. Customers found the company trustworthy and service generally good.||View deals|
|★★★★★||79%||AXA has 3 levels of home insurance cover – HomeSmart, HomeSure and HomeSafe. The benefits offered differ with each level. Customers were generally positive, praising the fast service, but a few felt their premiums were expensive.||View deals|
|★★★★★||77%||Admiral has 3 levels of home insurance, and buildings and contents can be separate or combined. The standard cover is fairly limited, but Gold and Platinum are very comprehensive. Customers praised “easy” and “reliable” service and good value when using the MultiCover option (home plus car insurance, which gets you a discount).||View deals|
|★★★★★||75%||Churchill’s home insurance has 2 levels – standard and Home Plus, which includes accidental damage in both buildings and contents. Customers generally found prices and service good, though a few felt renewal premiums were high.||View deals|
|★★★★★||73%||More Than offers 2 levels of cover – Primary and Upgraded – for both buildings and contents. has several options when it comes to home insurance. Boiler cover is extra. Many customers mentioned good prices and value for money.||View deals|
|★★★★★||78%||Endsleigh was originally known for its specialist cover for students, having been founded by the National Union of Students in 1965. It offers buildings and contents cover to homeowners, renters and students alike, through its partners. Customers cited “fair” prices and good service.||View deals|
|★★★★★||75%||HomeProtect’s specialist home insurance is available to homeowners, holiday homeowners, landlords, tenants and students and policies are underwritten by AXA. Customers in our survey generally praised the value for money and good service, with just a few negative comments about both.||View deals|
|★★★★★||75%||Popular high-street bank Halifax offers buildings and contents cover together or separately. And there are 3 cover levels. It also offers renters insurance with a good range of benefits. Customers find Halifax to be reliable and helpful, but a few were less happy about the cost of their renewal premium.||View deals|
|★★★★★||74%||Policy Expert offers 2 levels of home insurance and says it aims to keep prices down by insuring low-risk people. Customers were generally happy with the price and service, including the claims process, but a few were less happy with the service.||View deals|
|★★★★★||69%||A relative 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 the “reliable” service and the rolling contract for renters.||View deals|
|★★★★★||67%||Swinton offers 3 levels of home cover, from Essential to Premier, and you can get buildings and contents together or separately. You can also add optional extras to your policy. Customers were mostly positive, but a few cited issues with service.||View deals|
|★★★★★||67%||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. You can get buildings, contents or a combined policy. Customers were generally happy and liked the helplines offered by Age Co’s service.||View deals|
|★★★★★||65%||Getsafe is a fintech upstart offering contents insurance. Types of cover extras include accidental damage, personal possessions and home emergency. Customers were generally positive but there were a few niggles.||View deals|
In December 2021, we ran a customer satisfaction survey on insurance providers. 1,448 people replied and told us their thoughts on their insurance provider in each of five categories (car, travel, pet, home and life).
The survey asked respondents how satisfied they were with their current insurance company (on a scale from one to five, and also whether they would recommend the brand to a friend or not). We turned the results into star ratings and shortlisted the top-performing brands for our awards. When there was a draw, we used the recommendation score (that is, the percentage of customers who said they would recommend the brand to a friend) as a tie-breaker.
Full details of our star ratings for this sector are on the insurance ratings methodology page.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
The customer satisfaction score is based on a survey of 1,448 customers carried out in December 2021.
When you’re looking at home insurance policies, the devil can really be in the detail. Policies differ widely so it’s worth checking what you’ll get for your money. Beyond that, it’s worth knowing about the customer service, especially when it comes to making a claim. Our customer satisfaction scores, in the table above, show you what existing customers think of the provider. If the worst happens, you’ll want to be dealing with a company that treats customers well.
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