Home Insurance - Compare Cheap Quotes (2022)

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What is home insurance?

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Home insurance, also called house insurance, is a type of insurance used to protect your home. There are two types of home insurance:

Home buildings insurance - covers the structure and potential rebuild of your property.

Home contents insurance - insures your furniture, fixtures and fittings and belongings inside your house or flat.

Combined home and content insurance

You can buy building insurance and home contents insurance separately.

You can also buy them together in a single home insurance policy to protect your house. This is often called ‘home and contents’ insurance, buildings and contents insurance, or home and building insurance.

As long as your premium is paid on time each month your home will be covered for insurance risks such as fire, flood, subsidence, theft and other emergencies.

How does it work?

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Find the insurance cover that’s right for you by exploring our best deals.

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Start saving money and apply with your chosen provider.

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Why you should consider home insurance

It's a good idea to protect your home and the items within it, with a home insurance policy. The cost of rebuilding your home after a fire or flood would be more than most people could afford.

Most people underestimate the value of their belongings, and the potential cost to buy everything new again, if they're stolen or damaged.

It's important to shop around for the best quotes. The cheapest home and contents insurance may not be the best cover for you.

Find home insurance cover that’s right for you

Home Insurance - Compare Cheap Quotes

Compare the cost of home and contents insurance with our comparison tool and protect your house or flat today. Switch home and contents insurance with Uswitch using our simple, speedy and impartial comparison tool. Find cheap insurance policies in minutes.

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Contents Insurance - Compare Cheap Quotes

Compare the cost of home and contents insurance with our comparison tool and protect your house or flat today. Compare and switch home and contents insurance with Uswitch using our simple, speedy and impartial comparison tool. Find cheap insurance policies in minutes.

Learn more

Buildings Insurance - Get a cheap building insurance quote

Find and compare building insurance online in just a few minutes. Find the best building insurance policy for your needs and compare cover and prices.

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(Video) How to Compare Auto and Home Insurance Quotes

Contents Insurance For Tenants

Contents insurance for tenants can protect your belongings from theft, fire or damage whilst you’re renting a property. Compare quotes to find the best tenants insurance for you.

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Home insurance - Buildings cover

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Buildings insurance cover protects the structure of your home and provides insurance against fire, flood, subsidence and the cost of rebuilding. It only covers the bricks and mortar of your home, not the contents.

  • You don't need to calculate the cost of rebuilding your home – your insurer will be able to do that for you

  • You only need buildings insurance cover if you own the property, not if you rent it or are a tenant

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Remember...

Buildings insurance is usually required if you have a mortgage. Your buildings insurance company will calculate the rebuild value of your house, as opposed to its market value.

(Video) How to get a CHEAPER home insurance

How do I get cheap home insurance quotes?

Different insurers will offer different prices for home insurance cover

Standard-built home

If you have a standard-built home with no particular risk factors (such as being near a river or being affected by subsidence) then you will find a variety of different quotes from home insurance providers.

Specialist needs

If you have more specialist needs – for example if your home is thatched, an unusual construction, is at risk of flood, or is large with a lot of rooms and value items, then you may need to find a specialist insurer to cover your property.

Home insurance - Contents cover

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Contents insurance cover protects your possessions within the home, and also in garages and outbuildings if you choose to include these within the scope of the policy.

  • Contents insurance is not compulsory, but is a good idea as the cost of replacing your possessions if they were stolen or destroyed in a fire could be very high.

  • Some insurers provide a checklist so you can go through your possessions and estimate or check their value.

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Remember...

Keep receipts for high value items as you will need evidence of the amount you paid for them if you need to make a home insurance claim in the future.

Top tips for home insurance quotes

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Compare prices

Shop around for the best deals. Work out which is the best home insurance for you, not just the lowest monthly premium.

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Increase your excess

If you need to make a home insurance claim you may have to pay a small amount, known as the excess. The bigger your excess, the lower your premium is likely to be.

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Fit good quality locks to windows and doors

Fit good quality locks to windows and doors: Improve your security to make a break-in less likely, you will be seen as a lower risk in the eyes of the insurance company.

(Video) 7 Ways to Find Cheap Car Insurance

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Check out combined deals

Sometimes getting home contents and buildings insurance together can work out cheaper.

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Try to build up a no-claims bonus

You're likely to be offered a lower premium if you have not made previous claims. If you have a larger excess, it's also probably not worth making a lot of smaller claims.

What is home insurance?

Home insurance will cover you if something happens to your home or its contents. Read our guide to find the best home insurance for you and compare cheap home insurance quotes.

Home Insurance Renewal

Can you save money on your home insurance renewal? Read our guide and learn how to save by switching.

Do I need pet insurance

Pet insurance can give you peace of mind and protection for your pet against unexpected vet bills, illness or accidents.

Insuring your bike on your home insurance

Learn about whether you should get extra home insurance cover for your bike as part of your home contents insurance, or search for specialist bicycle insurance to cover your two wheels.

Compare home insurance & building insurance quotes

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Home Insurance comparison is powered byConfused.comwhich is a trading name ofInspop.comLimited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. Uswitch is an intermediary and receives a percentage of the commission if you decide to buy through us. If you already hold an account withConfused.com, the information held for you will be available to help you complete your quote more quickly - you should check the information is still accurate and up-to-date.

(Video) How to Find Cheap Home Insurance & Save on Homeowners Insurance

FAQs

Who is best home insurer in UK? ›

  1. 1 . Admiral. — Best Overall. ...
  2. 2 . Homeprotect. — Best For Non-Standard Cover. ...
  3. 3 . The AA. — Best For Premium Cover. ...
  4. 4 . MORE THAN. — Best For Comprehensive Cover. ...
  5. 5 . Swinton. — Best For Add-Ons. ...
  6. 6 . John Lewis Finance. — Best for Flexible Cover. ...
  7. 7 . Aviva. — Best For Customer Satisfaction. ...
  8. 8 . So-Sure. — Best For Contents Insurance.

Is it worth shopping around for home insurance? ›

This may take some time, but could save you a considerable sum of money. Consult the Homeowner's Premium Survey. Many insurance companies will take as much as 5 to 20 percent off your premiums if you buy two or more policies from them. The higher your deductible, the more money you can save on your premiums.

Why do house insurance quotes vary so much? ›

Because each company has a unique way of determining risk factors and calculating that number, it creates opportunities for quotes to vary. One carrier may have found that the homeowners in your zip code have filed more claims—and thus cost them more money—than the ones in the neighboring zip code.

Is home insurance cheaper if you are older? ›

As you get older, your home insurance premiums tend to get cheaper. This is because you are perceived as less of a risk by insurers. Statistically, older customers are less likely to claim and if they do, the claim amount tends to be smaller.

Who is the biggest home insurer in the UK? ›

Top UK insurance companies of 2022 based on market cap
  1. Prudential plc.
  2. Aviva plc. ...
  3. Legal & General. ...
  4. Admiral Group. ...
  5. Phoenix Group. Market capitalization (as of March 31, 2022): £6.3 billion ($7.8 billion) ...
  6. Direct Line Insurance Group. Market capitalization (as of March 31, 2022): £3.7 billion ($4.6 billion) ...
23 May 2022

How much is home insurance on average UK? ›

The average combined home and contents insurance policy costs £140 a year in 2021, according to Money Supermarket (Opens in a new window). That's just £2.70 a week.

How often can you change homeowners insurance? ›

It may seem a bit risky to switch home insurance companies every year, but it's actually recommended! You can change your home insurance as often as you want, but most experts recommend shopping around at every policy renewal.

How often should you shop around for insurance? ›

At least once a year, take time to compare auto insurance quotes to ensure you aren't overpaying for your policy. For instance, the COVID-19 pandemic has led to fewer drivers on the road, which significantly reduced the rates for auto insurance in 2020 and 2021.

Can an insurance company refuse to renew? ›

Your insurer might refuse to renew your policy, either because its criteria has changed or they're no longer able to offer you cover. But you could also be refused insurance, or refused a renewal because of non-disclosure, leading to your insurance being voided or cancelled.

Why has house insurance gone up so much in 2022? ›

New FCA rules that came into force in January 2022 to tackle the practice of 'price walking' have instigated the biggest monthly jump in home and motor insurance premiums in over eight years, according to market insight firm Consumer Intelligence.

Does credit score affect home insurance? ›

Depending on the insurer, and the state you live in, a bad credit history may have no impact or can more than double your homeowners insurance rates. An excellent credit score could reduce home insurance premiums by 20% or more.

Are older homes harder to insure? ›

Does Insurance for Older Homes Cost More? The cost to insure a home generally rises as a home gets older. On average, insurance premiums for a home over 30 years old are 75% higher than for a brand-new home.

Is Admiral contents insurance new for old? ›

New for old replacement – Admiral will replace your old possessions with brand new ones of a similar. Replacement locks and keys type. Loss of metered water or oil.

What is home emergency cover? ›

What is home emergency cover? Home emergency cover is a type of insurance that covers the cost of calling out a tradesman due to a sudden incident, such as your boiler breaking down or your pipes bursting. It can be bought as a standalone policy, but is most often added to a standard home insurance policy.

Who is the best company for house insurance? ›

NFU Mutual has been named as the nation's best home insurance provider, while Saga took second place, the latest rankings showed.

Who is the number 1 insurance company in the UK? ›

Admiral Group

The Admiral Group is the largest auto insurance company in the UK with 14% of the motor insurance market, underwriting policies through their Admiral, Bell, Diamond, elephant.co.uk and Gladiator brands.

Are leaks covered by home insurance? ›

Homeowners insurance may help cover damage caused by leaking plumbing if the leak is sudden and accidental, such as if a washing machine supply hose suddenly breaks or a pipe bursts. However, homeowners insurance does not cover damage resulting from poor maintenance.

Is 50000 enough for contents insurance UK? ›

These policies typically provide between £40,000 and £50,000 of cover as standard. This is usually enough for most houses, but make sure it's enough to cover your possessions. 'Sum insured' – you (not the insurer) have to calculate the amount of cover that you need.

How much does home insurance go up after a claim UK? ›

Making a single home insurance claim can drive up the cost of a policy by more than 50%. Home insurance customers who have made one claim face paying 57% or £91 more on average than those who have not claimed, according to analysis published by Which?

How can I check my home insurance claims history UK? ›

If you want to know what information is held about you, you can find out by completing a Subject Access Request form on the Motor Insurers' Bureau website. You can also ask your existing insurer for details of your claims history over the last few years (even if you have switched insurance providers during that time).

Does homeowners insurance go down when mortgage is paid off? ›

Here's the bad news: Your property taxes and homeowners insurance don't go away once you pay off your mortgage. If you have money in escrow that your lender used to pay your property taxes and homeowners insurance for you, it's possible that you'll have extra money leftover in your escrow account.

Do you get a refund if you cancel homeowners insurance? ›

Yes, homeowners insurance can be canceled at any time, and you also have the right to a policy refund when you cancel. Most major insurance companies prorate refunds, meaning you can cancel at any time and get reimbursed for any unused policy premiums.

When should I switch homeowners insurance? ›

You have the right to switch your homeowners insurance at any time. If you're in the market for a home, you'll want to start shopping for home insurance before you purchase a house. That's because most mortgage lenders require you to buy some type of homeowners coverage before closing.

Does insurance shopping affect credit? ›

Does getting insurance quotes affect your credit score? No, there is no “hard credit pull” when you get a car insurance quote, so shopping around won't impact your credit score. A hard credit pull generally happens when you apply for credit, such as a mortgage or credit card.

Why should you complete a home inventory? ›

An up-to-date home inventory will: Help you purchase the right amount and type of insurance. Having an accurate list of all your possessions helps you to have a more productive conversation with your insurance professional when making decisions about homeowners or renters insurance coverage.

Why is it a good idea to shop around before purchasing an auto insurance policy? ›

It's wise to shop around for insurance quotes to compare rates and to secure insurance coverage before you need it to avoid lapses in coverage. Shopping for new coverage in advance can lead to savings and help you avoid going without coverage, even if only for a day.

Do home insurance companies share information with each other? ›

Do auto and homeowners insurance companies share my information about claims and policies? Yes. There are specialty consumer reporting agencies that collect information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies.

Why would an insurance company refuse to insure you? ›

Three main reasons for being refused car insurance include a previously cancelled policy, a previous bankruptcy, or a criminal conviction. If your previous car insurance company cancelled your policy, it can affect other insurance providers' decisions on whether to offer you cover. In some cases, they may refuse.

How long does Cancelled insurance stay on record? ›

When your car insurance policy is canceled, the cancellation usually stays on your record for five years or longer. Having a policy cancellation on your insurance record may mark you as a high-risk car driver and that can mean higher-than-average premiums.

Do home insurance premiums go up every year? ›

Answer provided by. “In most cases, the premium of your home insurance will increase each year. Premiums often increase to keep up with inflation and the age of your home. If you submitted a claim against your policy, this could also impact your insurance score and home insurance premium.

Why is house insurance so expensive? ›

In addition to industry-wide price increases, your home insurance quotes may also be high because of your credit, a home's age and value, construction type, location, and exposure to catastrophes, among other factors.

Why are homeowners insurance premiums increasing? ›

Insurance companies are increasing rates to make up for billions of dollars in losses due to worsening climate disasters, and surging inflation means homes require more dwelling coverage to pay for rebuild costs. The combination of these factors has resulted in some fairly drastic rate increases in 2022.

What actions can a person take to reduce the cost of home insurance? ›

IN THIS ARTICLE
  • Shop around.
  • Raise your deductible.
  • Don't confuse what you paid for your house with rebuilding costs.
  • Buy your home and auto policies from the same insurer.
  • Make your home more disaster resistant.
  • Improve your home security.
  • Seek out other discounts.
  • Maintain a good credit record.

What is the first step to consider when buying homeowners insurance? ›

The first step in selecting a homeowners policy is figuring out how much insurance you actually need. There are several individual costs you'll need to break down to get an accurate estimate. The most important figure to consider is how much money it would take to rebuild your home if it was completely destroyed.

What determines the cost of home insurance? ›

As a building ages, the risk associated with it increases and so does the premium. As the overall infrastructure wears down, there is a higher risk of a faulty/leaky pipe (potential for water damage claims increases, etc.). Newer homes generally pay lower premiums and they increase as the homes age.

What is a good homeowners insurance score? ›

Home insurance scores typically fall between 200 and 997. A score of 770 or above is considered good and usually means insurers can offer better rates and discounts when they are allowed to factor in a credit-based insurance score.

What is a good credit score for insurance? ›

Understanding Insurance Scores

Insurance scores of 770 or higher are favorable, and scores of 500 or below are poor. Although rare, there are a few people who have perfect insurance scores. Scores are not permanent and can be affected by different factors.

How long does it take to rebuild your credit history? ›

If you've had a major setback, it usually takes about one to two years to repair your credit, according to Weaver. But that depends on your individual situation. For example, FICO research shows that it takes about five to ten years to recover from bankruptcy, depending on your credit score.

Is direct line good for home insurance? ›

Moneyfacts has awarded Direct Line a five-star rating across several of its home insurance policies, making it one of the best home insurance providers of 2021.

Who underwrites John Lewis insurance? ›

John Lewis Home Insurance is underwritten by Royal & Sun Alliance Insurance Ltd (No. 93792).

What is Aviva Plus? ›

Aviva Plus Premium car insurance has Motor Legal Services included as standard cover and courtesy car cover. Motor Legal Services.

Who is saga insurance underwritten by? ›

Although Saga is an insurance provider, Saga car insurance policies are underwritten by a panel of insurers such as AXA, Covea, Liverpool Victoria, Sabre, Zenith, as well as its own in-house underwriter Acromas. Saga Services Ltd is authorised and regulated by the Financial Conduct Authority.

Why is Direct Line insurance so cheap? ›

By not being on comparison sites, Direct Line doesn't have to pay commissions to the comparison sites when you buy a policy—this helps keep Direct Line keep their prices lower.

What is the phone number for Direct Line home insurance? ›

When you might need to call us. There are some situations where you won't be able to get an online quote because we need a few more details. If that happens, just give us a call on 0345 246 3564 .

Who is the best car insurer in the UK? ›

Top 10 car insurance companies in the UK
  • Admiral.
  • Aviva.
  • John Lewis Finance.
  • Hastings.
  • Churchill.
  • CSIS.
  • Age Co.
  • Dial Direct.
26 Aug 2021

Who underwrites Nationwide home insurance? ›

Nationwide Home Insurance is underwritten and administered by Royal & Sun Alliance Insurance Ltd (No. 93792).

Who is the underwriter for Admiral? ›

Policy underwriters

EUI Limited arranges the sale of motor and home insurance policies on behalf of other insurers.

How can I contact John Lewis? ›

What is Aviva premium? ›

Premium protection used to be an optional extra with some of our life insurance policies. If you have this option, we may be able to waive your insurance premiums if you're incapacitated for a certain length of time, depending on what's covered by your policy.

Do Aviva use black box? ›

Aviva's previous incarnation of a telematics policy used the traditional 'black box' device installed in cars. This time they appear to be going down a route that won't involve such a large initial outlay for each new customer they sign up. The new 'Aviva Drive' telematics policy instead simply uses a smartphone app.

Are Aviva on comparison websites? ›

Which car insurers are not on comparison websites? Direct Line, Aviva and Zurich are some of the bigger insurance companies that do not sell their car insurance policies using comparison websites.

Is Saga part of AXA? ›

Who owns Saga health insurance? Saga health insurance is underwritten by AXA PPP healthcare Ltd. Both Saga and AXA PPP are authorised and regulated by the Financial Conduct Authority FCA), which means you are covered and protected by the Financial Services Compensation Scheme (FSCS).

Are Hastings and Admiral the same company? ›

Admiral and Hastings Direct are two of the largest car insurance companies in the UK. Both come with most 'must-have' features, but they do not offer equal products.
...
Admiral Contact Numbers
Customer Service (UK)0333 220 2000
Renewals0333 222 6715
Claims (in UK)0333 220 2033
24 Hour Helplines
2 more rows
15 Sept 2022

What does Saga company stand for? ›

Studies and Analysis Group (US DoD Joint Chiefs of Staff) SAGA.

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