Compare your home insurance

Compare 40 of the UK’s leading home insurance providers to help you find a great deal.

Whether you contents or building insurance, you can compare and start saving £££’s today!.

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Compare some of the UK’s top home insurance providers to help you get a great deal.

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No matter your circumstances, your location or size of the house, you could compare and start saving £££’s today.

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Frequent Questions

A few things you’d like to clear up first? Maybe you’re not sure why it’s worth comparing your home insurance, how long it will take or what cover you need?

Well, then you’re in luck. We’ve written the following answers to questions frequently thought but rarely asked, about finding great deals on your home insurance.

How long does it take to get a quote for my home insurance?

Comparing home, buildings and contents policies is quick and easy. In fact, the average time to begin getting quotes being less than 10 minutes.

How long is a home insurance quote guaranteed for?

Home insurance is a dynamic market, with our providers changing their prices daily. This means your quoted price might change, so the faster you act with us, the more likely you are to secure your quoted price and get it done and dusted.

What are the different types of home insurance available?

Contents Insurance – Imagine you could turn your house upside down and shake it about a bit. Contents insurance covers everything that ends up on the floor – we’re talking furniture, jewellery, clothes and fridge freezers.

Buildings insurance – Building insurance covers everything that stays put, including fixtures like your bath.

And then a combination of both building and contents insurance, you can compare them all.

What does a Home Insurance Policy Cover?

While basic policies can vary, most cover damage and loss occurs due to the following causes:

  • Fire, lightning, earthquake, explosion
  • Subsidence, landslip, or heave
  • Storms and floods
  • Malicious damage
  • Theft of property, or damage caused by attempted theft
  • Leaking water tanks and pipes
  • Oil leaks from heating systems
  • Falling trees or tree branches
  • Breakage of TV, radio, or satellite receivers
  • Impact from an aircraft, vehicle, or animal
  • Riot

For most policies, exclusions are things such as general wear and tear, costs of home maintenance, and damage or breakdown that occurs as a result of poor workmanship.

Most policies also cover a certain amount of personal liability. For example, if someone is injured while in the home and the homeowner is found to be legally responsible, insurance may cover some or all of the compensation and legal costs.

How much insurance does a homeowner need?

The amount a homeowner is insured for is the maximum amount their insurance provider might pay out if the home and its contents are completely destroyed by an event that is covered by the policy. So, the primary concern for the homeowner could be to make sure that this sum might actually cover the costs of rebuilding the home, and of replacing all of their possessions with new items. This is the main reason why new-for-old is usually superior to indemnity insurance in terms of the level of coverage it provides.

Note that some insurance providers offer a different kind of policy with levels of insurance, rather than basing the insured sum on a valuation or appraisal. This is also known as bedroom-rated cover, because the coverage level is typically determined by the size of the house, using the number of bedrooms it has as a guide. For example, a policy might automatically provide a maximum cover of £500,000 for the home and £50,000 for the contents. In this case, as with other kinds of home insurance, it’s still likely to be the homeowner’s responsibility to ensure that the policy limit is high enough to cover the cost of rebuilding and replacing.

For any given policy, there is typically a limit that applies to valuable items such as jewellery, art, and ornaments and, sometimes, electronic equipment. If a homeowner’s standard policy doesn’t cover the value of their valuables, they may need to purchase extra insurance to make sure they’re fully protected.