What is the best home insurance in 2020? | moneyfacts.co.uk

nigel woollsey

Nigel Woollsey

Online Writer
Published: 05/11/2019

How do we decide which home insurance policies get the best rating?

Moneyfacts undertakes an annual review of all the home insurance products available in the UK marketplace. Our product experts look at numerous elements offered by each product and especially the benefits that these bring to the customer. Policies are then assigned a star rating based on their attributes.

We breakdown all home insurance products into one of three categories: home insurance for contents, home insurance for buildings and high net worth home insurance. 

Those that offer the best range of features and benefits are awarded our top rating of five stars.

How does a star rating help me find the best home insurance?

Our star ratings provide consumers with an independent and impartial opinion based on our expert view of the whole market. Customers can use our star ratings as a signpost to the products and providers that offer the best benefits and service to choose from.

What parts of the policy do we look at?

The many factors we look at to determine star ratings include:

  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Valuables single item limits
  • Legal expenses
  • Personal possessions cover
  • Money and card cover
  • Set-up, adjustment, renewal and cancellation fees
  • Voluntary excess discount
  • No claims discount options
  • 24-hour emergency helpline
  • Alternative accommodation
  • Owners / occupier personal liability
  • Subsidence cover
  • Mobile phones cover
  • Home emergency cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Home emergency repair guarantee
  • Keys cover
  • Freezer cover
  • Deeds and documents cover
  • Residential care cover
  • Students cover
  • Gift cover
  • Business equipment cover
  • Pedal cycles cover
  • Special events

Home Buildings Insurance – Five Star

  • AA - Home Insurance
  • AA - Home Insurance Plus
  • Admiral - Platinum Home Insurance
  • Aviva - AvivaPlus Basic
  • Aviva - AvivaPlus Premium
  • Aviva - AvivaPlus Regular
  • Aviva - Home Insurance
  • Aviva - Home Plus
  • Aviva - Your House
  • AXA Direct - HomeSafe
  • AXA Direct - HomeSure
  • AXA Insurance - AXA Advanced
  • AXA Insurance - AXA Exclusive
  • Bank of Scotland - Home Insurance
  • Comprehensive
  • Bank of Scotland - Home Solutions
  • Baptist Insurance - Home Insurance
  • Barclays - Barclays Home Insurance
  • Barclays - Barclays Premium Home Insurance
  • Benenden - Essential Home Insurance
  • Benenden - Premier Home Insurance
  • Bradford & Bingley - Home Insurance
  • British Gas - Home Insurance
  • Cavere Insurance - Cavere Home Insurance (RSA)
  • Cavere Insurance - Home Insurance (Ageas)
  • Chelsea Building Society - You Choose
  • Cherish Insurance - Cherish Home
  • Churchill - Home Plus
  • Clydesdale Bank - Home Insurance
  • Confidas - Home MAX
  • Co-op Insurance - Co-op Home
  • Cornish Mutual - Home Insurance
  • Countrywide Insurance Services - Homeowner
  • Insurance
  • Cumberland Building Society - Your House Plus
  • Cumberland Building Society - Your House
  • Standard
  • Direct Line - Home Insurance Plus
  • Direct Line - Select Premier Insurance
  • Ecclesiastical - Home Insurance
  • esure - Home Insurance
  • first direct - Home Insurance
  • First2Protect - Your Home
  • Halifax - Home Insurance Ultimate
  • Halifax - Home Solutions
  • Hastings Direct - Hastings Direct
  • Hastings Direct - Hastings Premier
  • Hiscox - Home Insurance
  • HSBC - Home Insurance
  • Ipswich Building Society - Home Insurance
  • John Lewis Finance - Plus Cover
  • John Lewis Finance - Premier Cover
  • Leeds Building Society - Basic Home Insurance
  • Leeds Building Society - Extra Home Insurance
  • Leeds Building Society - Standard Home Insurance
  • Leek United - Home Insurance
  • Legal & General - Home Insurance Choices Select
  • Legal & General - Home Insurance
  • Choices Standard
  • Legal & General - Home Insurance Extra
  • Legal & General - Home Insurance Gold
  • Legal & General - Home Insurance Plus
  • Legal & General - Rainbow Home Insurance Select
  • Legal & General - Rainbow Home Insurance
  • Standard
  • Lloyds Bank - Home Insurance Premier
  • Lloyds Bank - Home Solutions
  • Loughborough Building Society - Home Insurance
  • LV= - Home Insurance
  • LV= - Home Plus Insurance
  • M&S Bank - M&S Premier Home Insurance
  • M&S Bank - M&S Standard Home Insurance
  • Methodist Insurance - Home Shield
  • MORE TH>N - Home Choice Primary cover
  • MORE TH>N - Home Choice Upgraded cover
  • Motability - Home Insurance
  • Nationwide Building Society - Home Insurance
  • NatWest - Elite Home Insurance
  • NatWest - Premier Home Insurance
  • NFU Mutual - Home and Lifestyle
  • Nottingham Building Society - Take Your Pick
  • Paymentshield - Plus Home Insurance
  • Pen Underwriting - Premier Home
  • Plum Underwriting - Amethyst
  • Police Mutual - Home Insurance
  • Policy Expert - Home Essentials
  • Policy Expert - Home Premier
  • Post Office Money - Gold
  • Principality Building Society - Your Home
  • Cover Plus
  • Privilege - Platinum Home Insurance
  • com - Essentials Plus
  • com - Premier
  • RIAS - Home Insurance
  • Royal Bank of Scotland - Elite Home Insurance
  • Royal Bank of Scotland - Premier Home Insurance
  • RSA - Preferred Choice
  • Saga - Saga Home
  • Sainsbury's Bank - Home Insurance
  • Sainsbury's Bank - Home Plus
  • Santander - Santander Home Insurance -
  • Everyday
  • Santander - Santander Home Insurance - Premier
  • Sheilas' Wheels - Home Insurance
  • Skipton Building Society - Home Insurance
  • Protect Plus
  • Swinton Insurance - Classic Home Insurance
  • Swinton Insurance - Premier Home Insurance
  • Tesco Bank - Tesco Bank Home Insurance
  • The Co-operative Bank - Home Cover Extra
  • Together Mutual Insurance - Premier
  • Together Mutual Insurance - Premier Plus
  • TSB - TSB Pick and Protect Home Insurance
  • UIA Mutual - Flexi Home Insurance
  • UIA Mutual - Signature Home Insurance
  • Uinsure - Uinsure Home Insurance
  • Utility Warehouse - Home Insurance
  • Vernon Building Society - Home Insurance
  • West Bromwich Building Society - Home
  • Insurance
  • West Bromwich Building Society - Premier Home
  • Insurance
  • Yorkshire Bank - Home Insurance
  • Yorkshire Building Society - You Choose

Home Buildings Insurance – Four Star

  • Admiral - Gold Home Insurance
  • Age Co - Home Insurance
  • Ageas - Elastic
  • Ageas - House Guard
  • Ageas - House Guard Prestige
  • ASDA Money - Superior Home Insurance
  • Assetsure - Home and Contents Insurance
  • AXA Direct - HomeSmart
  • AXA Insurance - AXA Extra
  • Bank of Scotland - Home Insurance
  • Churchill - Home Insurance
  • County Insurance Services - County Home
  • Insurance
  • Covea Insurance - Profile
  • CSIS - Home Solutions Insurance
  • Cumberland Building Society - Your House Basic
  • Direct Line - Home Insurance
  • Emerald Life - Premier Home Insurance
  • First2Protect - Your Essentials
  • Halifax - Home Insurance
  • Hastings Direct - Hastings Essential
  • Homelyfe - Standard Home Insurance
  • Horizon - Longitude
  • John Lewis Finance - Essential Cover
  • Legal & General - Home Insurance
  • Legal & General - Home Insurance Silver
  • Lloyds Bank - Home Insurance
  • Mark Bates Ltd - Home Insurance
  • NatWest - Home Insurance
  • Neos - Smarter Home Insurance Neos Best
  • Neos - Smarter Home Insurance Neos Better
  • Paragon - Metropolitan
  • Paymentshield - Standard Home Insurance
  • Post Office Money - Silver
  • com - Essentials
  • RAC - Home Insurance
  • Royal Bank of Scotland - Home Insurance
  • RSA - Clearchoice
  • Saga - Saga Essential
  • Saga - TailorMade
  • SAGIC - House and Home Insurance
  • Select & Protect - Ultima
  • SunLife - Home Insurance
  • Swiftcover - Swift MORE
  • Swinton Insurance - Essentials Home Insurance
  • The Co-operative Bank - Everyday Home Cover
  • The Military Mutual - Home Standard Plus Cover
  • Home Buildings Insurance – Four Star
  • Use of

Home Contents Insurance – Five Star

  • AA - Home Insurance Plus
  • Admiral - Platinum Home Insurance
  • Age Co - Home Insurance
  • Ageas - House Guard Prestige
  • Aviva - AvivaPlus Premium
  • Aviva - AvivaPlus Regular
  • Aviva - Home Insurance
  • AXA Direct - HomeSafe
  • AXA Direct - HomeSmart
  • AXA Direct - HomeSure
  • AXA Insurance - AXA Advanced
  • AXA Insurance - AXA Exclusive
  • AXA Insurance - AXA Extra
  • Bank of Scotland - Home Insurance
  • Comprehensive
  • Bank of Scotland - Home Solutions
  • Baptist Insurance - Home Insurance
  • Barclays - Barclays Home Insurance
  • Barclays - Barclays Premium Home Insurance
  • Benenden - Premier Home Insurance
  • Bradford & Bingley - Home Insurance
  • British Gas - Home Insurance
  • Cavere Insurance - Cavere Home Insurance (RSA)
  • Cavere Insurance - Home Insurance (Ageas)
  • Chelsea Building Society - You Choose
  • Cherish Insurance - Cherish Home
  • Churchill - Home Plus
  • Clydesdale Bank - Home Insurance
  • Confidas - Home MAX
  • Co-op Insurance - Co-op Home
  • Cornish Mutual - Home Insurance
  • Countrywide Insurance Services - Homeowner
  • Insurance
  • Covea Insurance - Profile
  • Cumberland Building Society - Your House Plus
  • Cumberland Building Society - Your House
  • Standard
  • Direct Line - Home Insurance Plus
  • Direct Line - Select Premier Insurance
  • Ecclesiastical - Home Insurance
  • Emerald Life - Premier Home Insurance
  • esure - Home Insurance
  • first direct - Home Insurance
  • First2Protect - Your Home
  • Halifax - Home Insurance Ultimate
  • Halifax - Home Solutions
  • Hastings Direct - Hastings Direct
  • Hastings Direct - Hastings Premier
  • Hiscox - Home Insurance
  • Horizon - Longitude
  • HSBC - Home Insurance
  • Ipswich Building Society - Home Insurance
  • John Lewis Finance - Plus Cover
  • John Lewis Finance - Premier Cover
  • Leeds Building Society - Basic Home Insurance
  • Leeds Building Society - Extra Home Insurance
  • Leeds Building Society - Standard Home Insurance
  • Leek United - Home Insurance
  • Legal & General - Home Insurance
  • Legal & General - Home Insurance Choices
  • Select
  • Legal & General - Home Insurance Choices
  • Standard
  • Legal & General - Home Insurance Extra
  • Legal & General - Home Insurance Gold
  • Legal & General - Home Insurance Plus
  • Legal & General - Home Insurance Silver
  • Legal & General - Rainbow Home Insurance
  • Select
  • Legal & General - Rainbow Home Insurance
  • Standard
  • Lloyds Bank - Home Insurance Premier
  • Lloyds Bank - Home Solutions
  • Loughborough Building Society - Home Insurance
  • LV= - Home Insurance
  • LV= - Home Plus Insurance
  • LV= Broker - Clear Complete
  • M&S Bank - M&S Premier Home Insurance
  • M&S Bank - M&S Standard Home Insurance
  • MORE TH>N - Home Choice Upgraded cover
  • Motability - Home Insurance
  • Nationwide Building Society - Home Insurance
  • NatWest - Elite Home Insurance
  • NatWest - Premier Home Insurance
  • Neos - Smarter Home Insurance Neos Best
  • NFU Mutual - Home and Lifestyle
  • Nottingham Building Society - Take Your Pick
  • Paymentshield - Plus Home Insurance
  • Paymentshield - Standard Home Insurance
  • Pen Underwriting - Premier Home
  • Plum Underwriting - Amethyst
  • Police Mutual - Home Insurance
  • Policy Expert - Home Premier
  • Post Office Money - Gold
  • Principality Building Society - Your Home
  • Cover Plus
  • Privilege - Platinum Home Insurance
  • com - Premier
  • Rentguard - Home Plus
  • RIAS - Home Insurance
  • Royal Bank of Scotland - Elite Home Insurance
  • Royal Bank of Scotland - Premier Home
  • Insurance
  • RSA - Clearchoice
  • RSA - Preferred Choice
  • Saga - Saga Home
  • Saga - TailorMade
  • Sainsbury's Bank - Home Insurance
  • Sainsbury's Bank - Home Plus
  • Santander - Santander Home Insurance -
  • Everyday
  • Santander - Santander Home Insurance - Premier
  • Sheilas' Wheels - Home Insurance
  • Skipton Building Society - Home Insurance
  • Protect Plus
  • Swinton Insurance - Classic Home Insurance
  • Swinton Insurance - Premier Home Insurance
  • Tesco Bank - Tesco Bank Home Insurance
  • The Co-operative Bank - Home Cover Extra
  • The Military Mutual - Home Standard Plus Cover
  • TSB - TSB Pick and Protect Home Insurance
  • Uinsure - Uinsure Home Insurance
  • Utility Warehouse - Home Insurance
  • Vernon Building Society - Home Insurance
  • West Bromwich Building Society - Home
  • Insurance
  • West Bromwich Building Society - Premier Home
  • Insurance
  • Yorkshire Bank - Home Insurance
  • Yorkshire Building Society - You Choose

Home Contents Insurance – Four Star

  • AA - Home Insurance
  • Admiral - Gold Home Insurance
  • Ageas - Elastic
  • Ageas - House Guard
  • Ageas - Optima Home/Beds
  • Ansvar - Home Connect Lifestyle
  • ASDA Money - Standard Home Insurance
  • ASDA Money - Superior Home Insurance
  • Assetsure - Home and Contents Insurance
  • Aviva - Home Plus
  • Aviva - Your House
  • Benenden - Essential Home Insurance
  • Churchill - Home Insurance
  • County Insurance Services - County Home
  • Insurance
  • Covea Insurance - Home
  • CSIS - Home Solutions Insurance
  • Direct Line - Home Insurance
  • Homelyfe - Standard Home Insurance
  • Integra Insurance Solutions - Nidus Plus
  • John Lewis Finance - Essential Cover
  • Lloyd & Whyte - Home Insurance
  • LV= Broker - Clear Advance
  • Magnet Insurance - Home Insurance
  • Mark Bates Ltd - Home Insurance
  • Methodist Insurance - Home Shield
  • MORE TH>N - Home Choice Primary cover
  • NatWest - Home Insurance
  • Neos - Smarter Home Insurance Neos Better
  • Paragon - Metropolitan
  • Pen Underwriting - Home Insurance E-Solutions
  • Plum Underwriting - Flex
  • Policy Expert - Home Essentials
  • Post Office Money - Silver
  • com - Essentials Plus
  • RAC - Home Insurance
  • Royal Bank of Scotland - Home Insurance
  • Saga - Saga Essential
  • SAGIC - House and Home Insurance
  • Select & Protect - Home Insurance
  • Swiftcover - Swift MORE
  • The Military Mutual - Home Standard Cover
  • Together Mutual Insurance - Premier
  • Together Mutual Insurance - Premier Plus
  • UIA Mutual - Flexi Home Insurance
  • UIA Mutual - Signature Home Insurance
  • Zurich - Home Solutions Advantage

High Net Worth – Five Star

  • Aviva - Distinct Home 150
  • AXA Art Insurance - tailorMade Home
  • Azur Underwriting - Home
  • Chubb - Masterpiece
  • Chubb - Masterpiece Signature
  • Covea Insurance - Executive Home
  • Covea Insurance - Executive Plus
  • Ecclesiastical - Art & Private Client
  • Hiscox - 606 Home insurance
  • Home & Legacy - Ultimate Home
  • Horizon - Latitude
  • John Lewis Finance - Specialist Home Insurance
  • NFU Mutual - Bespoke Home Insurance
  • Oak Underwriting - Private Client Home Insurance
  • Plum Underwriting - Premier
  • Zurich Private Clients - Ultimate Exclusive Home
  • Zurich Private Clients - Ultimate Home

High Net Worth – Four Star

  • Aviva - Distinct Home 75
  • Beazley - Home Insurance
  • Confidas - Home LUX
  • iprism - House and Home Excel
  • Palladium Underwriting - Home Insurance

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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