Direct Line home insurance review

We've checked out Direct Line's cover options for home insurance.

Direct Line
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Customers praised the good service and reasonable prices
Cancellation fee applies after 14 day cooling-off period
Direct Line’s home insurance comes in three levels to suit all budgets and needs, including SELECT Premier Insurance – its highest level of cover. Its building insurance and contents insurance is available separately or combined. Policies can be upgraded with optional extras such as legal protection cover, accidental damage and home emergency cover. Direct Line also offers customers a discount of up to 35% for buying home insurance online. Here’s what else we think you should know.

Who is Direct Line?

Direct Line offers a wide range of financial products including home, car, travel and pet insurance. The Direct Line Group owns several well-known brands, including Churchill (of nodding-dog fame).

Established in 1985, Direct Line was one of the first direct car insurers in the UK. Today, it has more than 10 million customers.

What are Direct Line’s cover options?

Direct Line offers three different types of home insurance. These are Home Insurance, Home Insurance Plus and SELECT Premier.

All three of these options include buildings and contents insurance; however, buildings insurance and contents insurance can also be bought separately or combined as needed.

What is covered under my policy?

Cover featuresHome InsuranceHome Insurance PlusSELECT Premier
Buildings sum insured£1 millionUnlimitedUnlimited
Contents sum insured£50,000£100,000Unlimited
Trace and access of leaks£5,000£10,000£15,000
Alternative accommodation£40,000£80,000Unlimited up to three years
Matching sets and suitesx
Personal possessionsx
Accidental damage coverx
Home emergency coverxUp to £1,500
Family legal protection coverx

Optional extras

Direct Line offers a range of additional protection to bolt onto your home insurance policy, including:

  • Accidental damage cover
  • Personal possessions cover
  • Home emergency cover
  • Family legal protection cover

What is my excess?

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.

You’ll find details about any compulsory or voluntary excesses in your policy document.

How much is this going to cost me?

There are a number of factors that can affect the cost of your Direct Line home insurance premium, including:

  • The cover option you choose. Enhancing your buildings, contents and combined cover policies with optional extras will provide more features and broader cover than Direct Line’s standard cover options, which will likely be reflected in the price.
  • Your sum insured. The greater the amount you wish to insure your home or contents for, the more you can expect to pay for cover.
  • Your home. The age of your home and the materials from which it is constructed can influence its ability to withstand damage.
  • Where your home is located. Certain risks, for example storm and theft, are more prevalent in certain areas, and insurers will take this into consideration when calculating your premiums.
  • Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.

What is the claims process for Direct Line?

You should call the 24-hour Direct Line claims line on 0345 878 5081 in an emergency. For general home insurance claims, you can call 0345 246 8412. Lines are open Monday to Friday 8am-8pm and Saturday 9am-5pm.

If you are the policyholder or named within the policy document, you will also have the opportunity to make a claim online via the Direct Line website.

Direct Line recommends you have the following information to hand when making a claim:

  • Your policy details and personal contact details
  • The date of the incident
  • Details such as the cause of the incident
  • The value of any lost or damaged items being claimed for
  • Names and addresses of any other people involved or responsible for the incident, including details of injuries

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.

Direct Line home insurance customer reviews

Direct Line received a highly commended award for the home insurance category in the Finder Customer Satisfaction Awards in 2024 , with 85% of customers saying they’d recommend the service to a friend. Feedback included praise for its coverage and fair prices, and many customers described Direct Line as “good value”.

One customer commented: “Very good provider with comprehensive cover, easy to deal with, good website and good helpful tips or advice on the website. Easy to manage your account online.”

Not all comments were totally positive. Another customer said: “I have had a good policy from Direct Line, but the renewal price was not competitive and they were hard to get hold of to discuss.”

Direct Line pros and cons


  • Direct Line’s home insurance comes in three levels to suit different budgets
  • Home insurance policies can be enhanced with extra protection
  • Claims can be made 24/7 or online


  • You will have to pay a cancellation fee in order to terminate your policy after the 14-day cooling off period

Home insurance ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

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.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

Written by

Helen Champion

Helen Champion was an associate editor at Finder. She has worked in communications for over 16 years and currently writes on a range of topics including insurance and money transfers in the hope of empowering people to make better financial decisions. During her broadcast career, she helped to produce hundreds of news and breaking news reports for Associated Press TV and ITV News. And in public relations, she managed several high-profile public relations campaigns for Macmillan Cancer Support, the General Medical Council and overseas for Qatar Foundation on behalf of BLJ Worldwide. Helen has a Bachelor of Arts in Journalism from the University of Lincoln, a passion for practising karate in the dojo and a deep love of making mischief with her sons. See full profile

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