Home insurance facts, trends and stats - 2025
Find the latest home insurance statistics and trends in 2025, including the average cost of insuring your home, how different factors impact the price you're quoted, and the latest data on [something here].
Key stats
A home insurance policy costs £276.28[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. on average - jump to data
It's cheaper to bundle buildings and contents insurance together rather than taking out separate policies - jump to data
Data shows it's worth being vigilant when it comes to spotting and resolving leaks early, with "Escape of Water" accounting for 27.86%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. of claims - jump to data
Renewing your home insurance 24[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. days before your renewal date could save you £26.00[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. - jump to data
You could save up to £32.54[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. by changing your voluntary excess payment - jump to data
It can cost thousands of pounds to replace common items around your home due to floods, fires and theft, but a contents insurance policy only costs £79.11[4]Data based on the median premium of contents insurance policies sold through MoneySuperMarket in January 2025. on average - jump to data
Find out if you're in a burglary hotspot and if this could affect your home insurance
Home insurance pricing statistics
Price by policy type
Policy type | Average price |
|---|---|
Building and Contents | £276.28[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Buildings | £226.41[5]Data based on the median premium of buildings insurance policies sold through MoneySuperMarket in January 2025. |
Contents | £79.11[4]Data based on the median premium of contents insurance policies sold through MoneySuperMarket in January 2025. |
Although you can purchase separate buildings insurance and contents insurance policies, it's cheaper to buy them together if you need both.
Price by property type
Property type | Average price |
|---|---|
Detached house | £331.25[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
End of terrace house | £252.03[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Semi-detached house | £252.98[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Terraced house | £246.00[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Terraced town house | £249.99[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
End of terrace town house | £250.61[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Flat/apartment - converted (self-contained) | £342.79[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Flat/apartment - purpose built (self-contained) | £254.48[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Maisonette - converted | £355.88[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Maisonette - purpose built | £265.22[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Detached bungalow | £292.00[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Semi-detached bungalow | £219.07[1]Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Converted properties, such as flats and maisonettes, are typically more expensive to insure. However, house insurance prices, with the exception of detached houses (which are typically more expensive to insure), are similarly priced on average.
Price by number of bedrooms
Number of bedrooms grouped | Average price |
|---|---|
1-3 bedrooms | £273.44[6]Data based on the average premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
4 or more bedrooms | £424.49[6]Data based on the average premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
Individual number of bedrooms | Average price |
|---|---|
1 | £247.23[6]Data based on the average premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
2 | £238.32[6]Data based on the average premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
3 | £285.14[6]Data based on the average premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
4 | £385.85[6]Data based on the average premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
5 | £529.14[6]Data based on the average premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
6 | £711.28[6]Data based on the average premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
7 | £1065.85[6]Data based on the average premium of building and contents insurance policies sold through MoneySuperMarket in January 2025. |
The more bedrooms you have, the more your home insurance is likely to cost. So, if you're planning on converting a spare room into a dedicated bedroom, it could increase the cost of your home insurance.
Floods and how they impact annual premiums
If your house has been flooded in the past, your home insurance is going to be £260.17[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. more expensive on average.
On average, home insurance for properties that haven't flooded in the past is going to be 44.98%[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. cheaper.
According to our data, of those who have claimed,1.50%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. of homeowners claimed for flood damage and will have to pay more for home insurance as a result.
Most common reasons for claiming on home insurance
Claim type | % of claims |
|---|---|
Accident | 29.51%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Escape of water | 27.86%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Theft | 14.37%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Storm damage | 10.51%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Underground pipes (gas, water, electric) | 1.62%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Flood | 1.50%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Drains and underground tanks | 1.46%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Fire | 1.46%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Malicious damage/vandalism | 1.24%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Subsidence | 0.83%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. |
Accidents are the most common cause of past claims, although the data shows it's worth being vigilant in spotting and resolving leaks as soon as possible. Escape of water accounts for 27.86%[2]Data based on enquiries made between December 2024 to February 2025 where the enquiry contained one or more claims. of claims.
Does the policyholder's age impact the price of home insurance?
Policyholder's age | Average price |
|---|---|
Under 25 | £192.39[7]Data based on the average premium of home insurance policies sold through MoneySuperMarket in January 2025. |
25-30 | £228.94[7]Data based on the average premium of home insurance policies sold through MoneySuperMarket in January 2025. |
31-40 | £299.77[7]Data based on the average premium of home insurance policies sold through MoneySuperMarket in January 2025. |
41-50 | £339.84[7]Data based on the average premium of home insurance policies sold through MoneySuperMarket in January 2025. |
51-60 | £324.07[7]Data based on the average premium of home insurance policies sold through MoneySuperMarket in January 2025. |
61-70 | £286.18[7]Data based on the average premium of home insurance policies sold through MoneySuperMarket in January 2025. |
70+ | £262.51[7]Data based on the average premium of home insurance policies sold through MoneySuperMarket in January 2025. |
Home insurance prices tend to rise as people get older. However, the trend could be more indicative of younger homeowners owning smaller properties and older homeowners downsizing.
When is the best time to renew your home insurance?
Number of days before the policy renewal date | Average price |
|---|---|
0 - renewing on the day your insurance ends | £340.60[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. |
1 - renewing the day before | £330.22[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. |
10 | £315.32[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. |
15 | £314.71[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. |
20 | £314.84[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. |
25 | £314.56[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. |
30 | £318.06[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. |
Don't leave it until the last minute to renew your home insurance. It pays to renew early - on average, the cheapest day to renew your home insurance is 24[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype. days before your policy ends. And, on average, this would save you £26.11[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype..
Voluntary excess and home insurance prices
Voluntary excess amount | Average saving vs £0 voluntary excess |
|---|---|
£50 | £7.16[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
£100 | £11.07[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
£150 | £14.63[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
£200 | £17.74[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
£250 | £20.74[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
£300 | £25.06[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
£350 | £27.68[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
£400 | £27.94[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
£450 | £30.55[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
£500 | £31.94[8]Based on Home Insurance enquiries on MoneySuperMarket between 2024-11-01 and 2025-02-01 where the quote was for building and contents covertype. |
Increasing your voluntary excess can save you money on your yearly home insurance premium. The maximum saving you can make, on average, is £32.54[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype., but this would mean committing to a voluntary excess of £1000[3]Based on Home Insurance enquiries on MoneySuperMarket between 2024-12-01 and 2025-03-01 where the quote was for building and contents covertype..
Voluntary excess is the amount you would have to pay if you make a claim. So, although it's worth changing the amounts when getting a quote to see if you could save money, it's important you're able to afford the voluntary excess should you need to make a claim.
The cost of replacing common possessions
Item | Average cost to replace |
|---|---|
Paintings/works of art | £5848.67[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Watches | £5611.20[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Articles of gold | £5449.99[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Articles made of previous stones | £4801.35[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Articles made of precious metals | £4671.71[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Jewellery | £4622.52[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Audio equipment | £4472.05[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Clocks | £4091.98[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Clothing and personal effects | £3920.82[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Musical instruments (non-professional use) | £3717.26[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Hearing aids | £3220.57[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Sporting equipment | £2991.59[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Cameras | £2848.63[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Electrical goods | £2628.76[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
TVs | £2019.63[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Bicycles | £1718.28[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
Laptops, tablets, notebooks | £1218.18[9]Data based on the average cost to replace items listed by MoneySuperMarket customers between December 2024 and February 2025. |
The cost of replacing items in the result of a flood, fire, theft or water damage can amount to thousands of pounds. The average contents insurance policy costs £79.11[4]Data based on the median premium of contents insurance policies sold through MoneySuperMarket in January 2025. a year, with the lowest-paying customers paying up to £47.11[10]The annual premium that 10% of our customers paid in January 2025 where the cover type purchased was contents insurance. or less.