2022 Home Insurance and Home Emergency Cover Star Ratings revealed

Comprehensive home insurance and home emergency cover are vital for homeowners wanting to ensure that their property and home contents are protected in the event the worst happens.

To help make it easier for consumers to choose the best cover for their homes, Moneyfacts has unveiled the insurances and companies that have been awarded four and five stars in the Moneyfacts Annual Star Ratings 2022 for home insurance and home emergency cover.

In the 2022 star ratings, a total of 116 insurers were awarded five stars and 44 four stars in the home insurance category. Among the providers awarded five stars were MORE TH>N, Nottingham Building Society, British Gas and Admiral.

Alex Clifford, Product and Proposition Lead at British Gas, said: “At British Gas we always strive to deliver the best possible product and proposition for our customers, and we’re delighted to have been recognised for this again through the Moneyfacts star ratings. The star ratings resonate very well with our customers, particularly in a complex insurance market with many providers, products and cover levels. The Moneyfacts ratings offer our customers peace of mind that they are choosing a product which has been externally reviewed and benchmarked against competitors in the market.”

Hayley Hutchinson, Senior Customer Proposition and Experience Manager at MORE TH>N, said: “After being a Moneyfacts Five-Star rated insurer for six years running, we believe that this accreditation helps to give prospective customers greater confidence that our product is of a high standard. It is a third party endorsement, based on independent product analysis conducted by the Moneyfacts team, that provides further proof to customers that we put them at the heart of what we do.”

Within the home emergency cover category, 120 were awarded five stars and 42 four stars, while 14 five star and six four star ratings were given for high net worth cover. Companies that were awarded five stars within this category include Yorkshire Building Society, Police Mutual, Age Co and Utility Warehouse.

When choosing which deals should be awarded a five or four star rating, a team of independent experts at Moneyfacts will look at a range of features on hundreds of products to decide which offer the best deal for consumers. As such, when looking at products awarded a star rating, consumers can be confident that they are the best deals on the market.

Commenting on the 2022 home insurance and home emergency cover star ratings Samantha Owens, Star Ratings and Personal Finance Analytics Manager at Moneyfacts, said: “With flexible working becoming a way of life for many, ensuring consumers have the correct cover for both the building and its contents is essential. In addition, with more relying on the home ensuring that repairs to essential services are quick and stress-free has also become more important. Insurance for these can offer peace of mind that any sudden financial shocks will be mitigated when things go wrong.

“The Moneyfacts Annual Star Ratings for both home insurance and home emergency cover look at all the product features available and rate them based on the levels of cover available, along with the most comprehensive range of features. The Annual Star Ratings allow customers searching for the best product to focus their attention on those that stand out from the rest of the market, making tailoring their search easier.”

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 Cover

• 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.