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Get a £25 Amazon voucher with any new LV= home insurance policy* - so you can protect what matters to you (and get rewarded for it).
*Offer ends 29 January 2021. Not applicable to renewals. Your policy must be in force 60 days after purchase to qualify. See full T&Cs.
A home insurance policy can protect your home and your belongings in the event that they’re damaged or stolen. As an example, having home insurance in place can help pay for damage caused to your property by fire or a flood, or for replacing items that are stolen should you be burgled.
Home insurance isn’t a legal requirement in the same way car insurance is if you want to drive on UK roads. However in some cases you may be required to take out cover – for example, if you’re taking out a mortgage on a property the lender will probably insist you take out home insurance before loaning you the money.
If you’re a tenant, you’ll only need to cover your belongings – the building itself should be covered by your landlord.
Home insurance is two separate products: buildings insurance and contents insurance. You can take each out separately or buy both from the same provider in a combined home insurance policy.
Buildings insurance covers the physical structure of your property – essentially the bricks and mortar of the building, and any permanent fittings or fixtures.
Contents insurance covers the items in your home if they’re damaged or stolen – and some policies also cover your contents while you’re away from home.
You could take out your buildings and contents insurance with the same provider to reduce the hassle, but you should always compare quotes to ensure you’re getting the best deal.
The average annual cost of home insurance policy is:
Buildings
Contents
Combined
Your home insurance premiums can be influenced by a number of factors, including:
Get quotes from several insurers – we work with over 55 companies to help you find the best deal
You can usually get a no-claims discount if you’ve gone several years without a claim
Paying for your insurance in an annual lump sum works out cheaper than paying monthly
Asking for a higher excess implies you’re less likely to claim, so you get a lower premium
We’re here to help you protect the things that matter most
This covers you for almost any legal expense that results from owning a home, from conveyancing, inheritance and probate, to disputes with neighbours or tradespeople
Home insurance protects you against flooding and fire, but an emergency add-on includes callouts or replacement parts if the plumbing or heating breaks down, or if you snap your key off in your lock
Standard contents insurance will protect your possessions inside your home, but not always when you’re out and about with your laptop or mobile phone. ‘Away-from-home’ covers damage, theft and loss
If you’re a serious cyclist, your bike is your pride and joy. This add-on will protect it from theft when you’ve locked it up somewhere sensible, or for repairs if you have an accident
Accidents do happen, but they’re not always covered. Accidental damage protects your possessions from everyday mishaps, and will also help out if you make a costly DIY error or break a window
We’re here to help you protect the things that matter most
Pop in some details about your home and
your belongings, and compare quotes in
just a few minutes
We’ll search the market for the cheapest
deals, and help you choose the cover that
suits your needs
We’ll show you claims experience for
policies, to help you choose the right
home insurance policy for you
Finding affordable home insurance quotes is easier when you compare your options with MoneySuperMarket – just have the following information to hand:
The type of property it is, the number of rooms and when it was built, the type of roof it has, and if there are any trees nearby
How many people live in the property and when they're usually at home, and if anyone is a smoker
Whether you’ve got a burglar alarm, and which types of window and door locks you have
The cost of rebuilding your home from scratch if it were destroyed
The estimated cost of replacing your contents if they were destroyed
We compare over 55 of the biggest insurance providers in the country, including:
Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.
We combine independence, so we can negotiate the best prices, with excellent technology, to find the best value products and services.
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Make your home more secure with a burglar alarm, secure door and window looks, and a safe – especially if you live in a burglary hotspot
Unoccupied homes are at a higher risk of being burgled or damaged by fire or escaped water
Insulating your pipes reduces the risk of damage when they freeze and thaw in cold weather
Fitting smoke alarms around your home can also lower your insurance premiums
"Home insurance is a great way to protect your home and belongings against the things we can’t plan for. We'll help you find the right cover for your home, whether it's protection in the event of a flood or fire, insurance for an unoccupied property, or help with a burst pipe in the middle of the night - so you can rest easy and concentrate on the things that matter most."
- Kate Devine, head of home insurance
Standard home insurance might not be the right option for everyone – you may require a specialised home insurance policy for:
Coronavirus has meant we’ve been spending more time at home than ever, but it’s unlikely that this has had an effect on your home insurance policy. Find out more from our home insurance and coronavirus guide.
Home insurance protects your property’s structure and contentsagainst loss, theft or damage caused by flooding, fire, storms, subsidence and escaped water. This means you’ll be able to claim repair or replacement costs for most of the following, depending on your policy.
You aren’t required by law to have either buildings or contents insurance, but it’s always useful to have protection in case something unexpected happens. If you have a mortgage, your lender should insist that you take out buildings insurance for the whole mortgage term – but you can find it from other sources too, including price comparison websites such as MoneySuperMarket.
To calculate how much cover you need from your home insurance policy, you’ll need to account for:
If you’re a tenant you’ll only need to take out a renters insurance policy – this will let you cover your personal belongings. Your landlord should have their own buildings cover in place, and while they may also have a contents policy this will only apply to items they’ve supplied for the property, such as furniture.
Putting your life insurance policy in trust lets you name the people you want to receive your life insurance payout (your trustees).
There are different types of trusts available depending on your individual or family circumstances.
Putting your life insurance policy in trust also protects the payout from inheritance tax.
Listed buildings are properties of historical or architectural significance, and you’ll often need to take out a specialised listed building policy as many insurers don’t offer standard cover for these buildings.
Likewise unusual properties, such as buildings made from non-standard materials, also aren’t usually covered by standard policies – so you’ll need to take out specialised cover.
Yes, your credit score can affect the price you pay for home insurance. Insurance companies look at your credit history to know how much of a risk they’re taking with you and to come up with the appropriate rates.
When we’re at home, our personal possessions are normally protected by home contents insurance but this doesn’t usually cover them when you’re out of the house. Different policies offer different cover but often you have to pay extra to cover possessions that you take out of the home, like jewellery or gadgets, for example. A personal possessions insurance policy covers your personal belongings against loss, damage, or theft when you take them outside your home.
Calculating the rebuild cost of your home is a necessary part of getting a home insurance quote. The rebuild cost is the amount of money required to reconstruct your home from the foundations up, if for example your property was damaged or destroyed in a fire or flood. A chartered surveyor can help you calculate the cost, or alternatively you could search for a rebuild calculator online.
If you're having any major building work done on your house, you will need to let your house insurance provider know. If you don’t tell your insurer your home is undergoing renovation, you may find that your policy is invalid in the event of a claim.
Some home insurance policies will cover water leaks, while others won’t. And even policies that include cover may exclude some elements of a claim related to a leak. It's important to read the terms of your policy before you buy to ensure you know what you’re covered for.
Some home insurance policies will cover water leaks, while others won’t. And even policies that include cover may exclude some elements of a claim related to a leak. It's important to read the terms of your policy before you buy to ensure you know what you’re covered for.
Home insurance typically covers unoccupied property, for up to 60 days – and if anything happens outside this period you won’t be covered. An unoccupied home insurance policy covers you when your home is empty for longer than your standard policy will allow.
A helping hand to find the right home insurance deal for your needs
Here’s what contents insurance covers and how you can get it for less
Protect your home and make sure you’re getting the best price
How to protect your belongings when you live in rented accommodation
Get affordable cover for your home-from-home
Protect your valuable gadgets with this specialist cover
Find out how to make a claim on your home insurance
Our guide to insuring an unoccupied property
Protect your household appliances for longer with an extended warranty
Get specialist cover if your home is in a flood-risk area
How to spot subsidence in your home and protect against it
Will your property be empty in the short term? Here’s how to protect it
Protect yourself against life’s little mishaps around the home
Get specialist cover and peace of mind for your most prized possessions
Protect all your valuables in your student house, flat or halls
Limited-time home insurance cover for your property and possessions
Get specialist cover if your home is a listed building
Specialist home insurance cover for your new build home
What is a connected home?
Tips to make your garden more secure
Do you live in a burglary hotspot? How does your postcode compare to others? Our calculator has the answers
Find out how the age of your property can affect the price you pay for home insurance
Key in your postcode and we’ll show you how your household bills compare to others in your neighbourhood
Discover the areas of Britain where students are likely to make burglary claims, using our helpful map and calculator
See how much Home insurance costs in the UK based on over 6 years of data and millions of customer quotes
Can technology and connected devices turn your house into a smart home?
MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.
So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.
But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?
We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.
We aim to show you home insurance quotes from as many insurance companies as possible, so that you can find the right policy for you.
Unfortunately, we can’t promise to show quotes from every insurance provider, because not all companies want to be included on comparison websites.
We won’t offer you advice or make a recommendation, but we will provide you with all the information you need to help you decide which is the right policy for you.
You can find out more about how we work here.
