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Home Insurance

Compare cheap home insurance quotes today

Save over 38% on your home insurance*

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*51% of customers could save up to 38.14%. Consumer Intelligence, September 2017.

HOME INSURANCE

What do I need to run a home insurance quote?

There are two types of home insurance: buildings insurance covers damage to the fabric of your property, including fixtures and fittings, while contents insurance covers your belongings. You can compare home insurance prices for both buildings and contents cover with MoneySuperMarket, so you can protect your home against fire, flooding, storm damage and theft.

When applying for home contents and buildings insurance, you will need the following information:

Details about your property

  • Your address and property type (eg semi-detached or terraced)
  • Number of rooms
  • When your home was built
  • What percentage of the roof is flat (we’ll help you work this out)
  • Number of occupants and when they tend to be home 

Rebuilding cost and value of contents

  • Based on your postcode, we’ll suggest a figure for the cost

Security at your property 

  • What lock types are on the windows and doors at your home?
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Home insurance checklist illustration

 

How to save money on your home insurance illustration

How to cut the cost of home insurance

MoneySuperMarket data found the average cost of home insurance (combined) in September 2017 was £116.

Here are our top tips on how to reduce the amount you pay for cover:   

  • Shop around: Compare quotes from different insurers to ensure you are getting the best price. Market research company, Consumer Intelligence, found that 51% of customers could save over 38% when comparing policies through us.     
  • Increase your excess: The higher the excess, the lower your premium will be. Make sure the amount you choose is affordable should you need to make a claim.
  • Pay annually: Interest charges are often added when you opt for monthly payments, so paying annually could reduce the amount you pay overall.
  • Build your no claims bonus: Insurers offer discounts if you have a claim-free history, in some cases up to 50% off.   

For more tips, read our money-saving 

*51% of customers could save up to 38.14%. Consumer Intelligence, September 2017

What do our customers think of us?

4.5

Customer satisfaction rating

**Based on 2143 reviews in the last 12 months - Read all reviews

What type of insurance should I get?

Finding the right house insurance policy for your home depends on whether you own or rent a property. If you have a mortgage, your bank or building society will require you to have buildings insurance. If the house is rented, then buildings insurance will be the responsibility of your landlord, but you will need contents cover to protect your possessions. 

You can reduce the cost of home insurance by taking out a combined buildings and contents insurance policy with an insurer that offers a discount if you buy both types from them.

What is the difference between buildings and contents insurance? 

Buildings insurance provides cover for the structural elements of your home, such as the windows or roof, and covers the cost of repairs or rebuilding work.

Contents insurance, however, provides protection for your valuables, such as laptops or TVs, and covers your home contents against loss, theft or damage.

Both types of insurance usually cover loss or damage caused by:

  • Theft or attempted theft

  • Fire, explosion or vandalism

  • Flood or water leakage

  • Storm, lightning or fallen trees

How much buildings insurance cover do I need?

When looking for buildings insurance quotes, you will need cover for the rebuild value of your home rather than the market value. When running a quote, a rebuild amount will be suggested using data from the Royal Institution of Chartered Surveyors (RCIS).

How much contents insurance cover do I need?

The amount of content cover you need will be based on the total value of your contents within your home. When running a quote, you might find it helpful to work out the value of the contents of each room in turn before adding them together for your grand total. We’ll ask you about the value of expensive single items in your home such as laptops, jewellery, bicycles and items worth more than £1,000, to ensure your possessions are adequately covered.

 

“Got my house and buildings insurance for less than half the price with the same or more cover.”

London

“Took only a short time to get a very competitive home insurance quote which saved me money.”

Burnley

“Helped me to compare prices and services easily and I saved 50% on my house insurance.”

London

“This is the best site that I have found for the cheapest house insurance; and would definitely recommend it to friends and family.”

Sheffield

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We’re 100% independent: working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer great value, with savings delivered straight to you.

We combine independence, so we can negotiate the best prices, with excellent technology, to find great value products and services for you. That’s what makes us - in our customers’ opinions - the best price comparison website.

Level of service

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.

Not enough there to get your teeth into? Try looking at our news, views and in-depth home insurance guides.