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What is home insurance?

Home insurance offers financial support to cover the cost of any loss or damage caused as a result of an unavoidable event such as a fire, flood, or theft.

There are two elements to home insurance:

Contents insurance, which covers your personal possessions
Buildings insurance, which covers the structural elements of your property

Do I need home insurance?

Home insurance isn’t a legal requirement.

However, if you're a homeowner, your mortgage provider might insist on you getting buildings insurance before they’ll approve you for a loan.

Insurance protects you if your home or contents are damaged, giving you peace of mind that you won’t shoulder any resulting financial burden.

Do I need buildings and contents home insurance?

A combined home insurance policy will include both contents and buildings insurance, but you can buy the policies separately if you only want one type of cover.

Home insurance needs vary, depending on your circumstances. Homeowners will usually need both buildings and contents insurance, whereas renters may only need contents insurance.

Homeowner

If you’re a homeowner having home insurance is very important. It protects your home and belongings in case of an unexpected event — if a fire completely destroyed your property, and you weren’t insured, you’d be liable for the full cost of rebuilding your home and replacing all of your possessions.

If you have a mortgage, you’d also still be responsible for mortgage payments, even if your home had been completely destroyed.

Renter

If you’re a renter you won’t need buildings insurance, because the property itself isn’t your responsibility.

You may, however, still want contents insurance to protect your personal belongings in the event of an unexpected event like a flood or burglary. You can get contents insurance for renters and tenants to suit your needs.

Landlord

If you’re a landlord, an unexpected event could not only destroy your property but also your source of income. You’ll need buildings insurance to protect the property you’re renting out, and may also need contents insurance if you supply furniture or white goods for your tenants.

You may also wish to take out loss of income insurance which will give you added protection if the property is uninhabitable. A landlord insurance policy can help cover all of these possibilities.

Leasehold property owner

If you’re a leaseholder, the freeholder of your property (often a flat) is usually responsible for arranging buildings insurance.

However, this won’t protect your personal belongings and furniture, so contents insurance is always a good idea. You should always check your leasehold agreement to see what’s covered.

How it works

Home insurance pays out in the event of an unexpected event that causes damage to your home and its contents.

Buying a home, whether that’s a house or flat, is likely to be the biggest investment most people make in their lifetime, and it can also be costly if something goes wrong.

Flood, fire, and storm damage alone can land the homeowner with costly bills to repair the structure of their building, not to mention replacing furniture, electrical goods, and any other high-ticket items.

But if something does go wrong, that’s where home insurance kicks in – your policy will offer you financial protection to help cover the costs.

Making a claim

If you need to make a home insurance claim you should:

Take photos or videos as evidence of any damage
Contact the police if necessary (for example, in the event of a break-in) to obtain a crime reference number
Contact your insurer as soon as possible
Gather together any documentation your insurer might need, like your policy documents, photo and video evidence, and your crime reference number

Your insurer will usually send you a claim form to fill out. Complete this as soon as possible and return it to your insurer.

The insurer will often then conduct an investigation, which may include sending an assessor to evaluate the claim. The time it takes to process a claim can vary, from a few days to several months.

Example scenario

If your home was flooded, you would need to take photos and videos to document the damage to the house and your possessions.

You’d then contact your insurer to let them know you need to make a claim (it’s important to contact them as soon as possible, as delays are a common reason for a claim to be rejected).

Once your insurer is aware, you’d complete a claims form, including any evidence or documentation required to make the claim. As soon as you have sent this to your insurer, they can begin to process your claim.

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Homeowners

If you own your home, you'll be responsible for both the physical structure of your home and any belongings you have in the property. If your home isn’t insured and is destroyed in an event like a fire, you’d still be responsible for paying the mortgage on top of rebuild costs and the cost of replacing all your items.
Renters

If you're a private tenant in a rental property, you'll only be responsible for the home's contents – you won't normally need buildings insurance. Contents insurance can protect you if there’s a break-in and expensive belongings are stolen, or if a flood damaged furniture or electronics you’d purchased.
Landlords

As a landlord, you're legally responsible for the property's condition, but will only need to cover the building and any contents you provide. So if, for example, a storm damaged a property, and it became uninhabitable, you’d have to foot the cost of making the property inhabitable again, and would lose out on rental income in the meantime. Landlords insurance would protect you in this instance.
Students

If you're living in student accommodation, you might be covered by a parent or guardian's home insurance, but this isn't always the case, so student contents insurance is also an option. This could protect you if, for example, you spilled a cup of coffee over your laptop (as long as you had accidental damage cover), or if your phone was stolen from your halls of residence.
Flat sharers

If you're sharing a flat, you'll normally only need to protect your contents. Details about your living arrangements can affect premiums, as shared households come with certain risks. For example, if your flatmate caused a fire while cooking, contents insurance would cover damage to your belongings.
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. This would cover you if, for example, there was an electrical fire, or if someone broke in knowing the property was unoccupied and stole your television.

Buildings insurance

Buildings insurance covers the physical structure of your home – the bricks and mortar – and any permanent fittings or fixtures
Contents insurance

Contents cover protects the possessions in your home. Some policies also cover certain belongings out of the home
Buildings and contents insurance

Combined policies offer maximum protection under one policy and are often cheaper

What does home insurance cover?

Home insurance typically covers damage to your home and belongings from unexpected events like fire, theft, and flooding. The specific level of cover depends on the particulars of your insurance policy. Many house insurance policies will offer similar types of protection, while most will also have certain exclusions.

Home insurance is split into two parts; buildings insurance which covers the physical structure of your property and contents insurance which covers your belongings. This can be items like jewellery and furniture, but could also be anything that isn’t physically part of the structure of your home, like carpets and light fixtures.

What is usually covered?
- Fire damage
- Floods and storms
- Burglary and vandalism
- Burst pipes and escape of water
- Subsidence and ground heave, also known as swelling
- The cost of alternative accommodation if your home becomes uninhabitable and you need to stay somewhere else
What isn't usually covered?
- Wear and tear, such as carpet that has worn down over a long period of time or nail corrosion on roof tiles causing them to slip
- Negligence, such as a theft that occurs when the homeowner leaves their front door unlocked
- Lack of maintenance, such as damage caused by untreated damp over a long period of time
- Incorrectly supplied information
- Unoccupied properties like holiday lets that are empty for part of the year

Home emergency cover

Includes extra protection to cover emergency callouts and services from tradespeople, like plumbers, electricians. So, for example, if your home flooded as the result of a burst pipe, home emergency insurance would cover the cost of a plumber coming out to stop the leak.
Legal protection

Covers home-related legal expenses and costs, from conveyancing, inheritance, and probate, to disputes with neighbours. For example, if a tree from a neighbour’s property damaged your property you might not be covered under standard home insurance, but legal protection could help you to pursue a claim against your neighbour.
Personal possessions cover

Protects individual belongings like laptops, phones, or jewellery when you take them outside your home. This means that if your laptop was stolen while you were in a coffee shop, it would still be covered by your insurance.
Accidental damage

Protects your home from accidental mishaps, like broken windows, cracked tiles, or stained carpet. So, for example, if a football broke a window, accidental damage insurance would cover the cost of a replacement.
Alternative accommodation

Many building insurance policies include alternative accommodation cover, which temporarily rehouses you and your family if your property is unsafe to live in following an event such as a fire of flood
Outbuildings insurance

Sometimes, outbuildings such as garages won’t be covered by your standard home insurance. This means that, for example, if someone broke into your garage and stole tools you wouldn’t be able to claim for this. An outbuilding add-on would cover you in this instance.

Contents

£79.44 ^{^}

Buildings

£206.91 ^{^}

Building and Contents

£256.27 ^{^}

Average price by policy type

On average, UK home insurance costs £79.44^{^} for contents, £206.91^{^} for buildings, and ££256.27^{^} for a combined policy. Some customers pay as little as ££45.90^{^} for contents-only.

The cost of home insurance depends on a range of factors, including your location, your property type, the value of your home and possessions, and your claims history. These factors can all influence how likely you are to make a claim on your house insurance policy and how big a claim might be. If you are considered more likely to make big claims, your insurance will cost more.

How expensive are the cheapest policies?

According to our latest data, the top 10% of lowest-paying customers achieved prices up to:

£143.96^{^} on combined buildings and contents insurance policies
£123.78^{^} on buildings insurance
£45.90^{^} on contents insurance

The average cost of all policy types for the top 10% of customers is £103.80^{^} .

Increase your excess

Asking for a higher excess tells insurers that you’re less likely to make small claims, so you get a lower premium. However, be careful not to increase your excess so much that it becomes unaffordable. If an event happens where you need to claim for multiple incidents, you may need to pay your excess more than once, which is something to keep in mind.

Pay annually

Paying for your insurance annually usually works out cheaper than paying monthly, so it’s worth doing if you can afford to.

Build up your no-claims discount (NCD)

You can usually get a no-claims discount if you’ve gone several years without making a claim. Avoiding making small or frivolous claims can help you boost your discount and save on your insurance.

Improve your home security

Investing in security measures like a safe to keep your jewellery in can help reduce your premiums. Enhancing your home security is especially important if you live in a burglary hotspot.

Review your cover

Overinsuring yourself is a common way that people end up overspending on their insurance. By accurately calculating the value of your jewellery you can avoid making this mistake.

You should also take time when renewing your policy to make sure the value hasn't changed. Your cover won't change with inflation, so you will need to check that your policy still covers what it should.

Shop around

Comparing quotes online is a great way to find a good deal on your home insurance. Even when it's time to renew your policy, it's worthwhile to double-check whether you can get the same cover for cheaper elsewhere.

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What do I need to get a quote?

When you apply for a home insurance quote, insurers will ask you to provide your personal details and any existing policy documents, if applicable.

You will also be asked a number of questions about your house. Here are some things you will need to know:

Your home address and property type e.g. flat, terraced, or semi-detached house
Number of bedrooms
The structure of your home
Year the property was built
Whether the roof is flat or pitched
Details of any security alarms or systems
Total rebuild cost and value of the contents within your home

How does home insurance comparison work?

We do our best to make home insurance comparison easy. So, we go away and do all the hard work – we take the information you provide us, and we bring together all the quotes from our providers that are relevant to you. We then allow you to compare policies on price, excess, Defaqto ratings, brand, the amount you’d be covered for, and you’ll also be able to see if any add-ons are included as standard with each policy. Our quotes will take you through to the provider website, but you can always call the numbers provided if you’d prefer to speak to someone about the policy you’re interested in.

Peter Best

Annual Price

£233.21
Cover Level

Buildings
Excess

Total Building £350

Go to site

Great for

New for old cover: comes as standard

But be aware that

Legal cover: available from £15.00

Home insurance guides and expert tips

Keep up to date and find out all you need to know with our latest guides and home insurance statistics.

Our expert says…

Recent data from the Association of British Insurers (ABI) shows that in the first quarter of 2025 bad weather claims from homeowners (storms; heavy rain; frozen pipes) reached £226million, the highest single quarter since ABI began tracking in 2017, surpassing the previous record by £67million.
While the ABI's claims statistic may initially resonate more with homeowners, renters should also consider if they could afford to repair or replace any items within the property following one of these events without contents insurance in place. The ABI also found that insurers paid £585million for weather-related damage to homes and possessions in 2024, 28% higher than 2023’s total.
According to our recent research, 80% of homeowners have home and contents insurance in the UK, and 45% of renters have no insurance for their possessions at all. With prices continuing to rise, I would strongly suggest making home insurance a priority and recommend comparing policies now to secure a good deal.

David McDermottroe Insurance & Personal Finance Expert

Protect your proposal with these expert tips

December marks the start of proposal season¹ but before you pop the question, make sure the engagement ring is properly protected.

With two-thirds of couples leaving their rings uninsured* it's easy to overlook this crucial step. MoneySuperMarket’s home insurance expert, Kara Gammell, shares her top tips to help safeguard your sparkle:

Keep your paperwork safe – Hold onto receipts, certificates, and diamond grading reports to prove the ring’s value if you ever need to claim.
Get a professional valuation – A certified jeweller or gemologist can ensure your ring is insured for its true replacement cost.
Check your cover – Make sure your home insurance includes all-risks or personal possessions cover for loss, theft, and damage - at home and abroad.
Revalue regularly – The value of precious metals and gems can change. Get your ring re-valued every fewyears to stay fully covered.
Store details securely – Keep clear photos and records of your ring’s unique features in a safe place.

Research conducted by Censuswide surveying 697 engaged or married people in October 2025.
Queensmith: 2024 marriage proposal report

What affects the cost of home insurance?

There are a few factors that will affect the price of your home insurance, including:

Location: crime rates, flood risks, number of claims in your area
Value and size of your home: most insurers will value the size of your home, as bigger properties will require a larger payout
Age of the property: older properties are more of a risk and may be built from materials that are difficult to repair and replace
Level of coverage: the more comprehensive your policy is, the more expensive your premiums are likely to be, and add-ons will likely increase your premiums
Security: having high quality door and window locks and a burglar alarm could help to improve your home security and result In cheaper premiums

How can I cancel my home insurance?

You can cancel your home insurance at any time by contacting your insurer directly. If you're outside your 14-day 'cooling-off' period, you may need to pay a fee, which is typically £30-50. Find out more about how to cancel your home insurance.

Is it cheaper to get buildings and contents insurance together?

It is often cheaper to buy buildings and contents insurance as a combined policy if you want to take out both kinds of cover. A combined policy also has the benefit of being easier to manage. You are required to pay only one set of premiums and have the same provider for both types of cover, meaning fewer documents and contact details to keep track of.

How can I make a claim on my home insurance?

To make a claim on your home insurance, you will need to fill out a claims form with your insurance provider. You should do this as soon as possible once an incident occurs, but there are a few things you'll need to get started:

Evidence to support your claim:
Any damage to your property needs to be documented. If the event is related to a crime, you'll also need a crime reference number from the police.
Your policy number:
This can be found in your policy documents, so it is wise to keep them safe. These days, most policy documents are sent to you digitally or available through your provider's online portal, but it’s worthwhile save some copies just in case.
Your provider contact details:
In your policy documents you'll also find the contact details of your provider when you want to make a claim. They will typically have a helpline phone number for you to call but many insurance providers now have an online claims process you can access through their website or portal.

For a more in-depth look at making a claim, you can read our guide ‘How to make a claim on your home insurance’.

How much cover do I need?

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

What home insurance do I need if I’m renting?

If you’re a tenant you’ll only need to take out a renters' insurance policy, which will let you cover your personal belongings.

Your landlord should have their own buildings insurance, which you may be required to pay for as part of your tenancy agreement.

Does my credit score affect home insurance?

Yes, your credit score can affect the price you pay for home insurance, especially if you want to pay monthly rather than in a lump sum for the year. 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. If you have a low credit score, you may end up paying more for your home insurance.

Are valuables only protected inside the home?

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. Optional personal possessions cover protects belongings worth less than £1,000 against loss, damage, or theft when you take them out and about.

How do I estimate the rebuild cost of my house?

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, including labour and materials, if for example your property was damaged or destroyed in a fire or flood.

Typically, the rebuild build cost is lower than the market value or sale price of your home, as it doesn’t include the value of the land your home is built on.

A chartered surveyor can help you calculate the cost or you can use this online calculator.

Find out more about how to calculate the rebuild cost of your home.

Can I get insurance if my home is undergoing building work?

If you're having any major building work done on your house, such as loft conversion or extension, you will need to let your house insurance provider know. Structural changes bring increased risks, with builders coming into and out of your home, building materials on site, and potentially parts of the property exposed to the elements. Your home insurance is also likely to go up if the work increases the cost of rebuilding your home. 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.

Is a leak covered by home insurance?

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. You might not be covered for example if the leak is due to lack of maintenance, such as missing sealant or grout, or if you caused the leak and don’t have accidental damage cover. It's important to read the terms of your policy before you buy to ensure you know what you’re covered for.

Can I get home insurance if my property has subsidence?

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.

Can I insure an unoccupied property?

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.

Can I get home insurance if I live in a flood-risk area?

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. The Flood Re scheme applies to properties built before 2009, so if you're not sure when your property was built, it's worth checking.

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