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Super Save Price Promise: Found the same home insurance deal for less? We'll refund the difference and give you a choice of a £20 gift card* Find Out More

HOME INSURANCE

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  • Found the same deal for less? We'll not only price match*, we'll also give you a choice of a £20 gift card

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Compare cheap home insurance from over 58 brands1

We’re committed to finding the right cover for you and your home. 
That’s why we compare over 58 of the biggest insurance brands in the country, including:

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1Accurate as of September 2022.

*Restrictions & T&Cs apply

What is home insurance?

Home insurance or house insurance financially protects your home and its contents against damage or theft if the unexpected happens. A home insurance policy helps cover the costs of any unavoidable harm to your home, like fire or flood damage, as well as replacing stolen valuables if you’re burgled. Home insurance is reassurance.

Do I need home insurance?

Unlike car insurance, which you need to drive legally, home insurance isn’t a legal requirement for homeowners or renters. It’s a good choice though, providing peace of mind in case something goes wrong out of the blue.

If you’re taking out a mortgage, your lender will probably insist you get buildings insurance before they’ll loan you the money. If you’re a tenant, you’ll only need to cover your belongings – your landlord looks after the buildings cover.



Who needs home insurance?

While home insurance isn’t legally required in the same way as car insurance, it’s still important and helpful in protecting your home. There are policies designed for all types of occupants, including:

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    Homeowners

    If you own your home outright, or are currently paying off a mortgage. You’ll be responsible for both the physical structure of your home and any belongings you have on the property

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    Renters

    If you’re a private tenant in a rental property. You’ll only be responsible for your own belongings – you won’t need to take out buildings insurance as that will be up to your landlord

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    Landlords

    If you own a property and you’re renting it out. You’ll be legally responsible for the property’s condition, but will only need to cover the building and contents you provide

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    Students

    If you’re living in student accommodation, usually with other students. You might be covered by a parent or guardian’s home insurance policy, but this isn’t always the case

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    Flat sharers

    If you’re sharing a house or flat with other adults. Details about door locks and access points can affect premiums as shared households come with certain higher risks

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    Holiday homeowners

    If you own a holiday home that is otherwise unoccupied. You will likely need to take out specialised home insurance for properties that are empty for long periods of time

We'll price match* and more

Found the same deal for less? We'll not only price match*, we'll also give you a choice of a £20 gift card.

Just purchase your car or home insurance through us and if you find a cheaper like-for-like quote from the same provider, on the same day, we'll refund the difference.

*Restrictions and T&Cs apply, click here for details.

Super save price promise logo

Refund up to £100 for the difference in annual premiums. Proof of purchase and like-for-like quote must be submitted within 30 days of purchase. Price difference and reward paid within 30 days of successful claim. Offer not available if you have claimed already, or received any other voucher or promotional benefit from us, on the same product more than once in any 12 months. Offer ends 24 January 2023.

What are the types of insurance I can get for my home?

There are two types of home insurance cover: buildings insurance and contents insurance. You can take each out separately or get both from the same company in a combined home insurance policy.

  • What is buildings insurance?

    Buildings insurance covers the physical structure of your home – the bricks and mortar – and any permanent fittings or fixtures (from your doors to your kitchen sink).

  • What is contents insurance?

    Contents insurance or contents cover protects the possessions in your home (like your TV, and your sofa) against damage or theft – some policies cover your stuff while you’re out and about too.

  • What is combined home insurance?

    You can take out your buildings and contents cover with the same insurer to reduce the hassle, but you should always compare quotes to ensure you’re getting the best deal.

How much does home insurance cost?

The premiums you’ll pay for home insurance will depend on a range of factors, including your home, its structure and its contents, your location and your claims history. This is because these can all influence how likely you are to make a claim on your home insurance policy.

It will also depend on the policy you take out – if you buy contents and buildings insurance combined, you may be able to save money compared to getting them separately. In fact, between June and August 2022, a combined policy was on average around £33 cheaper a year than taking out separate policies.

Cover type

Average annual premiums*

Building and Contents

£203

Buildings

£155

Contents

£81

*MoneySuperMarket data collected between June and August 2022, accurate as of September 2022.

How can I get cheaper home insurance quotes?

You may be able to reduce your home insurance premiums if you can do the following:

  • Build up your no-claims discount

    You can usually get a no-claims discount if you’ve gone several years without making a claim

  • Pay annually

    Paying for your insurance all in one go works out cheaper than paying monthly, so it’s worth doing if you can afford to

  • Pay more excess

    Asking for a higher excess tells insurers that you’re less likely to claim, so you get a lower premium

  • Improve home security

    Protect your home with a burglar alarm, secure door and window locks, and a safe – especially if you live in a burglary hotspot

  • Keep your home occupied

    Unoccupied homes are at a higher risk of being burgled or damaged by fire or escaped water

  • Insulate water pipes

    Insulating your pipes reduces the risk of damage when they freeze and thaw in cold weather

  • Install a smoke alarm

    Fitting smoke alarms around your home isn’t just common sense in safety terms, it can also lower your insurance premiums

  • Shop around

    Get quotes from a few different insurers – we work with over 55 companies to help you find the best deal for you

What does home insurance cover?

The specific level of cover you’ll get will depend on particulars of your insurance policy. Many home insurance policies will offer similar types of protection, while most will also have certain exclusions.

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    What is usually covered?

    • Fire damage

    • Floods and storms

    • Burglary and vandalism

    • Burst pipes and escape of water 

    • Subsidence and heave 

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    What isn't usually covered?

    • Wear and tear

    • Negligence 

    • Lack of maintenance

    • Incorrectly supplied information

    • Unoccupied properties

What optional extras can I get with home insurance?

When researching for home insurance, it’s worth looking at the extra cover you can add to your policy. Adding home emergency cover or bicycle cover to your home insurance can be cheaper than getting them separately.

Below are some of the common added extras to a home insurance policy.

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    Legal protection

    You could run into legal issues if you own your own place, and the costs can be sky-high. This add-on covers most home-related legal costs, from conveyancing, inheritance and probate, to disputes with neighbours or tradespeople

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    Home emergency

    Home insurance covers flooding and fire, but a home emergency cover includes extra protection against surprise bills. It covers callouts and parts for plumbing or heating issues – it’ll even cover you if you snap your key off in your lock

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    Away-from-home

    Standard contents insurance will protect your possessions inside your home, but not always when you’re out and about. ‘Away-from-home’ covers things like laptops or mobile phones for damage, theft and loss when you're on the go

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    Accidental damage

    Whether it’s red wine on the carpet or your little one’s marker pen masterpiece, accidents happen. Accidental damage cover protects your home from mishaps that a standard policy won’t cover – it can even help out if you make a costly DIY error or break a window

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    Bicycle

    Whether you’re a serious cyclist or a committed commuter, it’s reassuring to know your wheels are protected. A bike insurance add-on covers theft (as long as you’ve locked your bike up somewhere sensible) and repairs if you have an accident

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    Gardens

    Gardens aren’t always covered under standard home insurance, especially larger spaces. This add-on can protect your garden furniture, sheds and outbuildings, garages, and boundaries from thieves who see gardens as easy targets

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    Boiler

    It may be included in your home insurance cover as standard, but if not, then this added extra can pay for the cost of repairing your boiler if it breaks down

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    Alternative accommodation

    Helps cover the costs of temporary accommodation if your property is left unhabitable following a flood, fire, subsidence or storm damage

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    Personal possessions

    Protects individual belongings, like cameras, phones or jewellery worth less than £1,000, if they get lost, stolen or damaged when you’re out of the house.

David McDermottroe

Our expert says

"

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.

"

- David McDermottroe, Home Insurance Expert

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 the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.
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Why compare home insurance quotes with MoneySuperMarket?

We’re here to help you protect the things that matter most

  • It doesn’t take long

    Pop in some details about your home and your belongings, and compare quotes in just a few minutes

  • We’ll search for savings

    We’ll search the market for the cheapest deals, and help you choose the cover that suits your needs

  • Get the right cover

    We’ll show you claims experience for policies, to help you choose the right home insurance policy for you

What types of home insurance are available?

Each home is different, so standard home insurance might not be right for everyone. You might need a specialised home insurance policy if you’re looking to get cover for:

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    A short period of time

    You can take out temporary home insurance to cover a property for a few days, weeks or months

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    A holiday home

    If you own a second home, you could benefit from a holiday home insurance policy

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    A rental property

    If you’re a tenant – so you rent your property from a landlord – you’ll still need to cover your own items

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    A listed building

    Listed buildings hold an extra significance, so they normally require specialist home insurance

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    An unoccupied property

    Leaving your home empty for an extended time presents certain risks, so you’ll need unoccupied home insurance to cover this

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    A thatched roof property

    Thatched rooves are unique structures, with unique risks – which requires a particular type of home insurance

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    A student house or halls

    If you’re a student living out of home you may want to consider student’s home insurance to protect items like gadgets and clothes

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    A self-built property

    If you’re working on renovations or building your home from scratch, you’ll still need self-build cover while the work is going on

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    A property you own and rent out

    If you’re a landlord it’s your legal responsibility to have landlord insurance in place.

You work hard to earn your money, and we don’t think you should waste a penny of it paying over the odds on your household bills. That’s why at MoneySuperMarket, we’re on a mission to save Britain money.

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So how do we make our money? In a nutshell, when you use us to buy something, we get a reward from the company you’re buying from.

You might be wondering if we work with all the companies in the market, or if our commercial relationships with our partners might make us feature one company above another. We’ve got nothing to hide, and we want to give you clear answers when it comes to questions like these, so we’ve pulled together everything you need to know 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.

The average price paid by UK households for both their home buildings and contents insurance so far in 2022 fell to record lows according to the ABI’s Household Insurance Premium Tracker, published in May. The ABI’s Tracker is the only survey that looks at the price consumers pay for their cover, rather than the price they are quoted. The average price of insuring your home down 7% over the last year, with price of covering your contents down by 11%. 

To calculate how much cover you need from your home insurance policy, you’ll need to account for:

  • How much it would cost to rebuild your property from the ground up

  • The total value of your home’s contents, and how much it would cost to replace every item

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.

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.

A home with a history of subsidence is likely to be a lot more expensive to insure and you may find that insurers are hesitant to cover you at all.

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.

Home insurance is generally still available even if you live in an area with a high risk of flooding, thanks to the government-backed Flood Re reinsurance scheme.

There are two types of excess: compulsory excess and voluntary excess. Compulsory excess is the amount set by your insurer that you have to pay if you make a claim. You can't change this amount or choose not to pay it – it's part of your policy.

Voluntary excess allows you to choose the level of voluntary excess when buying or renewing your home insurance policy. It's the amount that you want to pay towards a claim.