Best UK Home Insurance Policies

Home Insurance Home insurance

Home insurance can offer peace of mind that you will be covered financially if something happens to your property or your belongings. You can choose to buy buildings insurance or contents insurance individually or take out a combined policy for more comprehensive protection. Compare home insurance providers below to help you find the right level of cover for your requirements.

Featured home insurance providers

Last updated: 03/04/2025

Sagic
Sagic – Home Insurance with a Purpose

Owned by The Salvation Army, Sagic has been insuring property for over 115 years while supporting vital charitable work.

Comprehensive 5-Star Rated Cover: Up to £1 million for Buildings, £100,000 for Contents, and up to £5,000 per valuable item, with a total valuables limit of £30,000.

Home Emergency Cover: Included as standard, for boiler and heating issues, plumbing and drainage emergencies, failure of domestic power supply, door lock problems, and roof damage.

Optional Extras: Accidental Damage for Buildings and Contents, Personal Possessions & Valuable Items away from the home, and Legal Expenses.

No Hidden Fees & Flexible Payments: No charges for changes or cancellations, with no interest on monthly payments. Policies can be paid in full or over 10 months, providing a 2-month payment holiday as standard.

Fast, UK-Based Claims & Customer Service Teams: Get help when you need it most.

Protect your home with Sagic – Insuring you. Helping others.
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Admiral
Home Combined Insurance – Protect your happy place from as little as £163 a year.
^{(10% of Admiral-level Instaquote customers paid £162.58 or less for a combined policy between May-Oct '24).}

Home Buildings Insurance – Protect your bricks and mortar from as little as £139 a year
^{(10% of Admiral-level Instaquote customers paid £138.33 or less for a buildings insurance policy between May-Oct '24)}

Home Contents Insurance – Protect your belongings from as little as £63 a year
^{(10% of Admiral-level Instaquote customers paid £62.08 or less for a contents insurance policy between May-Oct '24)}
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Saga
Protect your home with SAGA

Saga Home Insurance is rated 5 Star by Moneyfacts – choose between two excellent cover levels with the same great service. For people over 50.

Make yourself comfortable – settle in for 3 years at the same price, if nothing changes, with our Saga Plus cover. No cancellation fee if you decide to leave. T&Cs apply.

Home and dry – our trace and access buildings cover includes repairing any damage caused by finding and fixing leaking pipes (Saga Plus up to sum insured; Saga Select up to £5,000).
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LV=
Dependable home cover for the place that matters most
Insurance is simple when it’s me and LV=

With Moneyfacts 5 Star rated cover, our Home and Home Plus cover is of the highest quality

£1 million cover if you need to rebuild your home

Choose up to £150,000 for your contents cover

24-hour emergency helpline if you need help in a hurry
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Co-op Insurance
Your home deserves Co-op Home Insurance

Co-op Members get an exclusive price*

Our claims line is open 24/7 so there's always someone there if you need us

We cover the cost to replace your external door locks if your keys are lost or stolen

We cover the cost of alternative accommodation for you and your family if you have to move out because of a claim

Legal expenses cover up to £50,000 and access to a 24/7 legal advice helpline

£1million to rebuild your home

Contents cover up to £100k

Terms, conditions, and exclusions apply

*Member discount applied if matched during quote process. Membership offer is not available on optional extras (e.g. home assistance cover).
Home Insurance is offered through Co-op Insurance Services and provided by a select panel of insurers.
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Thamesbank
Securing Your Peace of Mind

At Thamesbank Insurance, we deliver bespoke insurance solutions designed to protect what matters most to you.

No Commission Incentives: Our team focuses on your needs, not sales targets.

Personalised Service: Speak directly to a UK-based expert for fast, friendly, and tailored support.

Experienced Experts: Our specialists, averaging 10 years of insurance experience, offer trusted advice.

Comprehensive Cover: From household essentials to underground pipes, we’ve got you covered.

Emergency Helplines: Access 24/7 support for emergencies when you need it most.

Alternative Accommodation: If disaster strikes, we’ll ensure you have a safe place to stay.

Choose Thamesbank for a service driven by passion, expertise, and your peace of mind.
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Alan Boswell Group
UK-based claims support.

Flexible policy tailored to your needs with contents cover starting from £15,000.

Full accidental damage cover available. TVs, computers and audio equipment automatically included.

Up to £1000 for replacement of external door locks if keys are lost or stolen.

Up to £1 million cover if you need to rebuild your property.

Garden cover and business use (clerical only) included as standard.

Additional cover available for travel, home emergency, family legal and personal belongings.

_{The information above is based on the Alan Boswell Sentinel policy, underwritten by Aviva. Other policies are available.}
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Paragon
All products are Moneyfacts 5 Star Rated for outstanding cover and service.

Paragon Monument: Comprehensive home insurance for your primary residence, offering up to £700k for buildings and £80k for contents. Includes 24/7 free legal advice, identity theft cover up to £5,000, and lock replacement up to £1,500.

Paragon Noble: Flexible non-standard insurance covering up to £800k for buildings and £150k for contents. Ideal for properties with unique needs like non-standard construction, CCJs, or unoccupied status. Includes 24/7 free legal advice, identity theft cover, and lock replacement up to £1,500.

Why Choose Paragon?

Trusted by over 800 insurance brokers across the UK for over 30 years.

In-house claims authority up to £50,000 ensures quicker decisions and faster resolutions.

£1 donated to charity for every policy sold, supporting our community.
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Homeprotect
Protect your property and belongings from insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.

What we offer:

Policies underwritten by AXA Insurance

Up to £1 million of Buildings cover as standard (eligibility criteria applies)

Contents cover from £25,000

Optional accidental damage cover available

Up to £75,000 alternative accommodation cover for you and your pets

Basic Home Emergency cover included as standard for plumbing and drainage emergencies, failure of domestic power supply, home security emergencies such as failure of door locks

Optional Home Emergency upgrade to cover boiler / heating emergencies and roof damage emergencies

Basic Legal Expenses cover included as standard

24/7 legal advice helpline for any personal legal matter

24/7 Home Emergency Line
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The AA
The AA covers accidental damage as standard for any non-portable gas and electrical appliances – like cookers and washing machines. Or for fixed mirrors and glass in furniture - like dressing tables or TV stands*.

The AA will replace any lost, stolen or damaged items with brand new ones. And won’t take anything off, even if they’re worth a bit less now due to wear and tear

If something happens like fire, flooding, or subsidence, and you can’t live in your home, the AA will pay for alternative accommodation**.

Burst pipe, no problem -the AA will repair any loss or damage and pay up to £5,000 to find the source and make good any damage caused by the search in finding the leak***

_{* Ts&Cs apply. See policy booklet for more information. Only applies to non-portable gas and}_{electrical appliances.}_{** We’ll pay up to 20% of the insured value for alternative accommodation for Home Contents and}_{up to £45k for Home Buildings.}_{The accommodation will be of a similar size and standard to your}_{home, and we’lll only pay the costs we’ve agreed in advance.}
_{***Does not cover loss or damage if your home was unfurnished or unoccupied at the time of the}_{loss or damage. Or loss or damage caused by subsidence, heave or landslip.}
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Coverbaloo

Different tiers of cover can be confusing. We like to keep things simple, so we have one comprehensive policy for everyone, whether that’s buildings, contents, or both in one policy. As standard we cover up to £1m for buildings and up to £100k for contents. You can also tailor your policy by adding on extra peace of mind through our range of optional add-on covers, like Home Emergency, Personal Belongings and Legal Expenses.

We always strive to be fair and transparent in everything we do, and that’s why we won’t charge you extra for paying monthly by direct debit, and there are no hidden fees for cancelling or changing something on your policy. We also promise when you renew your policy, you will pay no more than you would as a new customer. Our Home policies are underwritten by Ageas, which gives our customers quality cover they can rely on.

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Swinton

Swinton Insurance aim to make it simple for customers to choose their home insurance cover. Customers can relax knowing their home is protected from loss or damage with home insurance through Swinton, subject to cover level.

Swinton compares prices from a panel of insurers, aiming to provide customers with a quote. Whether they are looking to protect their family home, holiday home or a high-value property, there are various policies available to fit most requirements.

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Safeguard Home
Come to Safeguard Home Insurance for our:

12-month repair guarantee

24/7 claims lines

Personal Legal Advice Helpline
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Note

Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfactscompare.co.uk will receive a small payment either if you click the links or if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions.

Disclaimer

The list of home insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.

Types of home insurance

Buildings insurance and contents insurance are the two main types of cover that come under the broader term of ‘home insurance’. You can buy these policies separately or take out a combined buildings and contents insurance policy.

If you want both types of cover, it’s often cheaper to buy a combined buildings and contents insurance policy than getting them separately.

Buildings insurance

Buildings insurance provides cover if something happens to the main structure of your property, including any permanent fixtures and fittings.

For example, it can cover your walls, floors, roof, windows, doors, pipes and fixed bathroom and kitchen fittings. It may also cover garages, fences, sheds and other outbuildings.

Essentially, anything that makes up your property that you wouldn’t take with you when you move is likely to be covered by buildings insurance.

Your buildings insurance should cover the rebuild cost of your home. Bear in mind this isn’t the amount you paid for your property or its current market value.

Even though buildings insurance isn’t required by law, many mortgage lenders will only finance your property if you have sufficient buildings insurance in place.

Contents insurance

Contents insurance covers the items in your home. Anything that you can remove and would take with you if you moved house is likely to be covered under contents insurance.

For example, contents insurance can cover furniture, freestanding appliances, electrical devices, jewellery, money, clothing, pictures, ornaments and many other items. Some policies may also provide cover for freezer food and downloaded content.

Bicycles up to a certain value may also be covered under contents insurance while they’re at home. However, you may need to add cover if you want to cover your bike outside the home and, for more expensive bikes, specialist bicycle insurance may be more suitable.

What home insurance covers

Buildings and contents insurance policies typically cover you in the event of any unexpected damage caused by:

fire
flooding and water damage
storm damage (excluding damage to fences, gates and other specified items)
falling trees
burst pipes
subsidence

Home insurance can also provide cover for vandalism and theft.

If your home is uninhabitable, because of flooding, for example, home insurance policies can cover the cover of alternative accommodation.

Some other elements of cover that may be included with more comprehensive policies, or are available to add as optional extras, are:

accidental damage
personal belongings or personal possessions cover (for when you take items outside the home)
high-value cover (if you have a particularly valuable item you need to cover)
home emergency cover (if an urgent issue affects your home, such as a broken boiler, this can cover the cost of emergency repairs)
key and lock replacement cover
legal expenses
trace and access (which covers the cost of finding and fixing the source of a leak)

You are covered up to the limit specified in your policy. Different limits apply to different aspects of your policy so, for example, policies may offer buildings cover up to £500,000 and contents cover up to £25,000. These sums are the maximum you can claim on each policy.

Providers may also set individual cover limits on other elements of a home insurance policy, such as alternative accommodation, legal expenses and replacement keys.

Always check the cover limits of a policy so, if your building or contents are worth more than the limit, you can look for a more comprehensive policy. On the other hand, if you don’t need as high a limit, you can see if you can find a cheaper policy with lower cover limits.

What isn’t covered

Standard home insurance doesn’t usually include cover for:

general repairs and maintenance of the property
wear and tear, including breakdown of household appliances
any damage caused by negligence and failure to take precautions and keep the property in good condition
accidental damage (unless added)
belongings that are lost or damaged outside the home (unless added)
damage caused by pets
pests
periods when your home is unoccupied for a certain number of days

Many insurers state that, depending on the nature of your work, working from home won’t affect your home insurance policy . However, if you run a business from home, this could affect your cover. If you’re not sure whether your working situation will affect your home insurance policy, it’s worth checking with your insurer.

The above list isn’t finite, so it’s important to look at the terms of a policy to see exactly what is and isn’t included and to ensure you get the best home insurance for your situation.

How to get cheaper home insurance

While you can’t change some factors that affect the price of your home insurance quote, such as the size and postcode of your property, below are some tips that could help to reduce the cost of your home insurance premium.

Compare quotes. Shop around and compare policies to find the best home insurance UK providers offer. Don’t just auto-renew with your existing provider as you may be able to find more suitable cover at a more affordable price elsewhere.
Improve security. Burglar alarms, outdoor lighting, high-quality locks on your doors and windows and a home security system could help to lower your insurance premium.
Don’t overestimate the value of your home and contents. The higher the value of your home and contents, the more expensive your premium is likely to be. As a result, you should take time to calculate an accurate estimate of your property and contents so you don’t pay more for your insurance than necessary. But don’t underestimate the value, otherwise you may invalidate the policy or receive less money than expected if you need to claim.
Check if you need any optional add-ons. You can often add optional cover to your home insurance policy, but this will come at a cost. Think carefully about adding these extras to your policy, otherwise you could end up paying for cover you don’t want or need.
Pay for your insurance annually. Paying for your home insurance in one annual payment is often cheaper than splitting it into 12 monthly instalments.
Pay a higher voluntary excess. As well as setting a compulsory excess (which is the sum you need to pay if you make a claim), insurers may also ask if you want to pay an additional voluntary excess. A higher excess could reduce the cost of your insurance premium, but bear in mind you’ll need to pay this sum whenever you make a claim.
Build up a no claims discount. If you don’t claim on your home insurance policy, you can start to build up a no claims discount (also known as a no claims bonus), which could help you get a cheaper home insurance quote.

Home insurance FAQs

Do you need home insurance?

While home insurance isn’t legally required, having sufficient cover can offer peace of mind should the worst happen.

If you’re a homeowner with a mortgage, your lender typically requires you to have a buildings insurance policy in place. It’s up to you whether you choose to take out a contents insurance policy. Tenants don’t need buildings insurance as this is the responsibility of the property owner, but they could choose to have contents insurance to cover their belongings.

How much is home insurance?

The cost of home insurance can vary considerably, depending on the age, size and location of your property, for example. Your claims history and the level of insurance you choose will also affect the price.

The average cost of home insurance has increased over the past couple of years, largely because insurers are facing higher costs when paying out claims. In the last quarter of 2024, the average cost of a home insurance premium stood at £403.

Is building insurance the same as home insurance?

Buildings insurance is one type of home insurance. Home insurance is an umbrella term for buildings insurance (which covers the main structure of your property) and contents insurance (which covers your personal belongings inside). You can buy these policies separately or as a combined policy.

Rhiannon Philps

Content Writer

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Best Home Insurance Providers UK