Post Office home insurance review

Check out our guide to find out if Post Office Home Insurance has the right policy for you.

Updated

Post Office Money
Post Office Money

Post Office Money Home Insurance

  • Extra 10% contents cover for weddings, Christmas and other religious festivals when high value items may be in your home
  • 90 days cover for contents temporarily removed from your home
  • UK contact centres with a 24-hour claims line
  • Defaqto 5 Star Rated Over 50's Home Insurance
  • Alternative accommodation if your home isn’t safe to live in
Promoted

Who is Post Office Money?

The Post Office was founded in 1984, and specialised in postal service. Since then, it has branched out to provide other services. In 2014, the Post Office Money branch was created to offer financial services such as banking and insurance. It is now the largest financial services chain in the UK.

The Post Office aspires to provide its customers with everything they may need in one place, for a great price.

What are my policy options?

The Post Office offers two different home insurance options. Each option is tailored to either those under the age of 50 or over. The home insurance options and features for each different age group are listed below.

Building insurance cover
  • Damage by fire
  • Damage by storms
  • Damage by floods
  • Theft
  • Damage by vandalism
  • Leaks
  • Subsidence
  • Accidental damage
Contents cover includes
  • Your personal possessions against loss or damage, even out of the home
  • Extra 10% contents cover for Christmas, other religious festivals and special events when more valuables may be in your home.
  • Contents up to the value of £1,500 per item, or £350 for bicycles
  • New-for-old replacements
  • Protection against accidental damage to electricals
  • Replacement locks and keys up to £500 per incident
  • Garden contents up to £1,000 in total during the insurance period
  • Up to 90 days of cover for contents temporarily removed from the home.
Optional extras
  • Full accidental damage
  • Home assistance for home emergencies
Building insurance cover
  • Damage by fire
  • Storm damage
  • Damage by flooding
  • Theft
  • Vandalism
  • Water or pipe leaks
  • Subsidence
  • Accidental damage
  • Unlimited alternative accommodation for you and your family if your home is not safe to live in.
Contents insurance includes
  • Cover for your personal possessions against loss or damage, even away from the home
  • Possession cover up to the price of £1,500 per item, or £350 for bicycles
  • Unlimited Alternative Accommodation if your home isn’t safe to live in
  • Up to £1,000 accidental damage cover for satellites, televisions, radios, computers and other audio/video equipment
  • Replacement locks and keys up to £1,000 per incident
  • Up to £1,500 cover for garden plants with a maximum of £250 per claim
  • Up to £2,000 per claim on contents in the open with a maximum of £250 per item, eg BBQs, patio furniture

What is my excess?

An excess is the amount of money that you are expected to pay when you make a claim.

The amount of your excess may change depending on the claim you are making, and the value of what is damaged. For full details about the excess you must pay for a claim, make sure you read your Policy Schedule.

What is the claims process for Post Office Money?

If you find yourself needing to make a claim, you can call the Post Office home insurance claims hotline on 0345 073 1005.

Further details relating to the claims process for Post Office Money’s home insurance policies can be found on in your policy documents or on the Post Office Money’s website.

Pros and cons of Post Office Money’s home insurance

Pros

  • New-for-old replacement policy
  • Extra cover for periods where you’re likely to have more valuables in your home
  • 2017 winner of Your Money Best Online Home & Contents Insurance Provide

Cons

  • Policy documents are not easy to access
  • Under 50s don’t receive unlimited alternative accommodation when they are more likely to have children still living at home
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.

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