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Home insurance helps protect you financially if something unexpected happens to your home or belongings. From storms and flooding to fire, theft, and accidental damage, repair and replacement costs can quickly add up. Last year alone, the Association of British Insurers reported that property claims amounted to £6.1 billion, with severe weather like storms, flooding, and even subsidence being the leading cause.
By having insurance in place, your insurer can help pay to repair or rebuild your home, as well as replace damaged, destroyed, or stolen possessions. This can provide valuable financial support during difficult and stressful situations.
In return for a monthly or annual premium, home insurance gives you peace of mind that you won't have to face the full financial burden alone if the unexpected happens.
You pay a monthly or annual premium, and if your property or belongings are damaged, destroyed, or stolen, your insurer helps cover the cost to repair or replace them.
Protect your home and everything in it with comprehensive coverage tailored to your needs. Compare your home insurance quotes today.
If you own your home, home insurance is one of the most important types of of insurance you can have.
Most mortgage lenders will insist you have buildings insurance as a condition of your loan. This is to help protect the asset they are lending against.
Get a QuoteEven if you've paid off your mortgage, it's wise to keep your home and belongings protected. Rebuilding or replacing everything after a fire or flood could cost far more than you might expect.
Get a QuoteThere are three main types of home insurance:
Your home is likely your biggest investment, so protecting the structure is essential. Buildings insurance helps cover the cost of repairing or rebuilding your property if it's damaged by events such as fire, storms, flooding, or subsidence, giving you confidence that your home is protected.
From furniture and electronics to clothing and treasured possessions, contents insurance helps protect the things that make your house a home. If your belongings are damaged, destroyed, or stolen, cover can help you replace them without facing a significant financial setback.
For complete peace of mind, combined home insurance brings buildings and contents cover together in one convenient policy. It protects both your property and the belongings inside it, helping you safeguard what matters most under a single, easy-to-manage plan.
Most home insurance policies protect the inside and out, typically insuring against:
You can also add optional extras, such as:
Enjoy peace of mind knowing your home is protected against unexpected emergencies and secure the comprehensive cover your property deserves.
The cost of your policy is shaped by several factors, giving you the chance to personalise your cover and find the best value:
Whether you own a house or a flat, the cost will vary. Choose the protection that's right for your home.
Your policy is based on the cost to rebuild your home, not its current market value.
Living in areas with lower risks can help you enjoy more favourable premiums.
Adding alarms, secure locks, and smoke detectors can help you reduce your insurance premiums.
You have the flexibility to select the cover limits and extras that suit your needs.
Top Tips
Choosing the right level of cover is just as important as comparing prices. Make sure your policy reflects the true rebuild cost of your home and the value of your belongings.
Not all home insurance policies cover the same risks. Compare inclusions for things like accidental damage, flooding, or high-value items before you buy.
Home insurance prices and cover can change from year to year, but automatically renewing with your current insurer may cost more than you think. Check what else is available in the market with MoneyExplorer.
With MoneyExplorer, comparing home insurance cover has never been easier. Whether you're buying your first home and looking to protect it, or you have an expiring policy and you're looking to switching providers, our quick quote form helps you find the right level of cover in minutes.
