2021 Home Insurance & Emergency Cover Star Rating | moneyfacts.co.uk

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Derin Clark

Derin Clark

Online Reporter
Published: 10/12/2020

The Moneyfacts 2021 Five and Four Star Ratings for the home insurance and home emergency cover sectors have been revealed, making it easier for consumers looking to find the best deals within these sectors to find and compare products.

When deciding which products should be given a Five or Four Star Rating, each year the team at Moneyfacts impartially assesses thousands of products across 16 categories, from business and personal finance products to insurance and investment products. As part of the extensive analysis more than 2,000 data fields are used to award the Star Ratings.

It is this thorough analysis that makes the Moneyfacts Star Ratings trusted by consumers and over three-quarters (77%) of consumers agree that an independent Star Rating is of importance when taking out a financial services product.

When looking at deals within the home insurance sector, the team at Moneyfacts analysed over 100 fields of information per individual product. For home emergency cover, the Annual Star Ratings were derived from over 40 fields of information per individual product.

Numerous features are considered when assessing the ratings, and some of these include:

Home insurance

  • 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
  • Owner/occupier personal liability
  • Subsidence cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Mobile phones cover
  • Home emergency 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 emergency

  • Emergency cover limit per claim
  • Emergency cover excess
  • Plumbing cover
  • Burst pipes cover
  • Blocked drains cover
  • Toilet unit cover
  • Boiler breakdown cover
  • Annual boiler service
  • Roof damage cover
  • Domestic power supply cover
  • Internal gas supply cover
  • Water supply pipe cover
  • Home security cover
  • Lost keys cover
  • Vermin infestation cover
  • Alternative accommodation cover.

Samantha Owens, Star Ratings and Personal Finance Analytics Manager at Moneyfacts, said: “With more of us spending time and working at home, now, more than ever, it has become essential to make sure consumers have the best cover when it comes to protecting their property and contents. As well as this, it is important to ensure that in an emergency, the essential services they need are covered and any sudden costs are mitigated.

“The Moneyfacts Annual Star Ratings for both home insurance and home emergency cover look at all the product features available and assess them to take away some of this hard work for the consumer. Looking at the level of cover available and the limits on offer, the Annual Star Ratings allow customers searching for the best product to focus their attention on those that have the most complete range of features.”

To see the full list of awarded products, please click here for Home Insurance, and click here for Home Emergency. There are many more 2021 Moneyfacts Annual Star Ratings to come.

Disclaimer

Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time. 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. Moneyfacts.co.uk will receive a small payment 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. 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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