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

nigel woollsey

Nigel Woollsey

Online Writer
Published: 05/11/2019

How do we review 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

Featured home insurance providers

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All our featured home insurance providers have achieved a four or five star rating for their home insurance.

Provider

Key features

Find out more

Aviva Home Insurance

  • Cut the tricky questions out so you can get cover in minutes.
  • Aviva Home Insurance protects your home inside and out – covering your building and belongings.
  • Home insurance starts from just £115 – that’s all 10% of customers paid.
  • Covers damage caused by events such as fire, theft, subsidence and flooding.
  • Includes damage to garages and outbuildings and their contents

 

John Lewis Home Insurance


  • Unlimited Buildings and Contents Cover
  • Unlimited Matching Sets Cover
  • Unlimited Alternative Accommodation Cover
  • Cover away from the home, anywhere in the world
  • New for old, and like for like
  • Up to £100,000 in Legal Cover

 

Policy Expert Home Insurance

  • Prices fixed for 2 years
  • The UK's number 1 rates home insurance provider
  • Three tiers of cover: Essential, Premier, and Midas
  • Policy wording approved by plain English campaign
  • Trusted by over 700,000 customers
  • 91% of customers save money by switching
  • All policies work on a "new for old" basis

Swinton Home Insurance


  • Build your Home Insurance to suit you.
  • Add a handy optional extra to your policy at any time.
  • Home Legal Expenses comes as standard with our Premier Home Insurance and can be added to our Classic and Essentials Home Insurance policy.
  • Access your documents online and make changes or renew your policy.
  • You can also choose to take out separate buildings and contents insurance policies.
  • Combined buildings and contents insurance from £107 per year.

 

M&S Home Insurance

  • Save 20% when you buy a new policy online*
  • Pay monthly at no extra cost; 0% APR representative
  • You can choose an alternative cash settlement instead of repairing or replacing an item when you claim
  • Compare home insurance cover options – choose from standard or premier
  • Cover for alternative accommodation
  • Cover for fire, flood, subsidence, storm damage and escape of water
  • M&S Home Insurance is underwritten by Aviva Insurance Limited. Terms and conditions apply.
  • Find out more

    M&S Home Insurance is not available to customers who live in the Channel Islands or Isle of Man

    *Excludes renewals and optional extras. Subject to minimum premiums and may be withdrawn at any time.

 

 

LV Home Insurance

  • It’s our heart that sets us apart, which is why we’re the UK's No1 insurer for customer service*
  • Highest quality cover
  • We'll give you a personal claims handler to look after you
  • £1 million cover if you need to rebuild your home
  • Choose up to £100,000 for your contents cover
  • 24-hour UK emergency helpline if you need help in a hurry                              *Joint 1st place. Based on UKCSI survey July 2020

 

 

 

Get an insurance quote

An alternative to working with the insurance providers above is to use an insurance broker. Quotezone offers you an immediate quote from their selected panel of insurers.

Find out more

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

What is home insurance?

Home insurance can come in three forms: buildings, contents and combined buildings and content insurance.

Buildings insurance covers the costs of replacing or repairing the structure of your property and is usually only applicable to homeowners, while contents insurance covers repairing or replacing the items in your home, such as furniture, electrical goods, jewellery and carpets. Some contents insurance will also include items in your sheds or gardens and include items taken outside of your home such as mobile phones or bicycles

How does home insurance work?

When you buy a home insurance policy from an insurer, this is in the expectation that should your property or contents be damaged (even accidentally if you have accidental damage cover) or stolen through no fault of your own, the insurer will make sure your property or contents are returned to the same condition, that you receive an equivalent monetary value or is replaced with an equivalent, new item (if you have new for old cover). Insurers may have specific events or items they may not cover, so you will need to check the policy documentation carefully to make sure you have the level of cover you require. For example, accidental damage cover may be an additional feature that you need to add to your contents policy.

The insurer will also expect you to maintain your property and to have taken reasonable care to protect your home and its contents.

Here are a couple of examples:

If your home is burgled or if something is damaged in your home as a result of an accident, home contents insurance aims to either replace the items with new, repair the items or offer you the equivalent value in cash of the item at the time.

If for example your home is flooded and the roof damaged due to a storm, buildings insurance aims to help for the costs of damages and with some policies also organises tradespeople to do the repair work.

What does home insurance cover?

The level and value of cover you can expect to receive with a home insurance policy is specific to each insurer and insurance policy. As explained at a broad level, the choice is between buildings, contents or both, but the amount of cover you are asking for from the insurer will vary depending on the value of your property and your contents. In addition, some insurers accept different levels of risk, for example regarding proximity to flood plains or rivers. Different policies may also have a maximum limit on the value of contents they will cover, while others could exclude items worth more than a specific amount. Some policies may or may not include certain items, such as garden equipment, gadgets outside the home and food held in freezers. Accidental damage and legal expenses may also not be included as standard. All of these may require additional cover to be bought.

What is buildings insurance?

This covers the physical structure of your home, including conservatories and similar types of fixed extension to your home. This type of home insurance covers specified physical damage to your home, such as fire, explosion, flood, vandalism, etc. In the event that your home is totally destroyed as a result of an event that the insurer covers, buildings insurance can pay for it to be rebuilt in the same style and size as before.

Many lenders require you to have building insurance if you have a mortgage against the property. Even if this is not required, it is highly recommended. Without buildings cover, you would still be liable for continuing mortgage payments, even though the physical property no longer existed. Some lenders might even demand full payment of your mortgage immediately.

Garages, garden sheds and summerhouses, etc. located on your property but not physically attached to your home may or may not be covered by buildings insurance. Check carefully on the exclusions of your cover before you buy.

Buildings cover is not required for people who are renting a property. Responsibility for this rests with the building’s owner(s) or landlord(s).

Contents insurance explained

Home contents insurance covers personal possessions inside your home from a list of specified risks, such as fire, flood and theft. Content includes things like TVs, tablets, sofas, tables, carpets and curtains, etc. High-value items (such as jewellery, antiques, etc.) are covered by normal contents insurance but they are very likely subject to a maximum limit (such as £1,000 in total or a maximum of £250 per item). Those people with high-value items in their possession are best to seek additional cover for these when purchasing contents insurance.

Some insurers offer additional cover for accidental damage to the contents of your home. This would cover you for the repair or replacement of items damaged as a result of an accident – for example, kicking over a tin of paint that ruins your carpet, or accidentally knocking over a vase of flowers drenching your TV in water.

Contents insurance can also be enhanced to cover things stored outside your property in sheds, outbuildings or freestanding in your garden from named risks, such as theft, fire or even accidental damage. This includes common articles such as bicycles, gardening machinery (lawnmowers, etc.) patio furniture and children’s play equipment. In addition, most content insurers will offer cover if your freezer fails.

Public liability insurance and home insurance

Many types of home insurance also have limited public liability cover. For example, if a slate blows off your roof in high winds and hurts someone walking past, then they can make a claim against you for their injuries. Public liability cover means this will be insured against and the injured party’s claim will be sorted out by your insurers.

What kind of home can I insure?

Ordinary home insurance normally covers homes of standard construction – i.e. a house, bungalow or flat constructed with brick or stone walls and a tiled roof.

More unusual types of home may attract a higher premium or require a more specialist insurance provider. Generally, properties with a thatched roof will still be insured but will cost more due to the increased risk of fire.

Listed buildings and those that have a unique construction are more likely to need a specialist insurer, as will houseboats and converted industrial units, etc.

If you are thinking of buying a home with a non-standard construction, then you might find our guide to Mortgages for a property of unusual construction helpful.

How much does home insurance cost?

The cost of home insurance varies greatly depending on a number of factors, including the size and construction of your home, your location, the extent of the cover you want and your previous claim history.

However, insurers often offer premium discounts if you have gone a long period without a claim, if you live in a neighbourhood watch area and if you have increased security such as British Standard door and window locks and/or an alarm.

Do I have to have home insurance?

No. Neither buildings nor contents home insurance is compulsory by law but a mortgage lender may require it as a condition of a mortgage with them.

However, with so much at risk, it would be very unwise not to cover your home in case the worst did happen.

What is excluded from home insurance?

There are a number of risks that can be excluded from home insurance cover. This means that you cannot claim for them if they occur.

First among these is what is called a ‘gradually operating cause’ – or, in other words, ordinary wear and tear to your property. Insurers may also not cover you if they believe the claim has arisen due to a lack of maintenance or care.

FAQs on home insurance

Can I get immediate insurance cover for my home?

Yes. Many insurers offer immediate cover for home insurance or the option to purchase cover from a date/time up to 30 days in the future.

How do I make a claim on my home insurance?

Home insurance claims can usually be made by phone or online. It is very common for home insurers to provide a 24-hour helpline number for emergencies, such as a sudden flood, giving you immediate access to qualified local tradespeople. Often, their fees will be settled directly by the insurer, meaning you will only have to pay any excess that is applicable.

How do I cancel my home insurance?

You can cancel your home insurance within the first 14 days after buying a policy. Under consumer law, you are entitled to this 14-day cooling-off period. However, there will be a charge for cover during this cooling off period.

If you are further into your insurance policy and want to cancel, then it is simply a matter of getting in touch with your insurers, which you can usually do online or by calling your insurer. When you cancel, you should receive a pro-rata refund of any outstanding premium left. Some insurers may charge an admin or cancellation fee to end your insurance early.

However, it is wise never to cancel your policy until you have alternative cover in place. Should the worst happen after your current policy was cancelled and before you had a chance to get new cover in place, you would be left uninsured and out of pocket.

Moneyfacts tip

Moneyfacts tip nigel woollsey

Always check the home insurance cover you are buying carefully to ensure it is enough to comfortably cover the replacement of all your property, including carpets, curtains, appliances and personal effects.

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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