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Home insurance for over 50s
Compare quotes for over 50s home insurance
Compare cheap home insurance from 87^ providers
We’re committed to finding the right cover for you and your home.
That’s why we compare more than 87
Is home insurance cheaper for over 50s?
As you get older, your home insurance premiums tend to get cheaper. This is because you are perceived as less of a risk by insurers. Statistically, older customers are less likely to claim and if they do, the claim amount tends to be smaller. The over 50s are also more likely to be financially secure and more security conscious.
They also have more choice as they can access insurance offered by over-50s specialists such as Saga, RIAS and Age UK, which may offer a guaranteed discount or a small lump sum as a welcome bonus.
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Compare quotes from 87
Why compare home insurance quotes with MoneySuperMarket?
Whatever cover you’re looking for, the easiest way to find the best policy is by comparing quotes online. You can compare policies in one simple search on MoneySuperMarket.
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Example quote when comparing buildings and contents cover
Aviva
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Annual Price
£184.71
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Total Excess
Buildings: £500 Contents: £100
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Cover Level
Buildings: £1m Contents: £100k
Great for
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If you need key cover
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If you prefer UK call centres
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If you need underground pipes, cables, and tanks covered
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If you ever need alternative accommodation due to flood damage
But be aware that
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Home emergency cover can be added at an extra cost
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Legal cover can be added at an extra cost
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This cover does not include accidental damage, such as damage caused by a one-off incident
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.
How much is home insurance for over 50s?
The cost of any given home insurance policy will vary based on a number of factors. However, home insurance typically gets cheaper as you get older. You may find your premiums go down as you move into your fifties, and, on average. you might expect prices to drop further as you move into your sixties and seventies as well.
Age Group | Average Home Insurance Premium |
|---|---|
41-50 years | £304.35 |
51-60 years | £295.04 |
61-70 years | £268.27 |
70+ years | £253.98 |
Our expert says…
People over 50 typically benefit from lower premiums for home insurance because insurers recognise them as more careful homeowners, who are less likely to claim, and likely to claim less when they do. If you're over 50, your home may well be your most valuable asset, which is why it's crucial to protect it against incidents like fire, flooding, or theft.
A recent study from the Association of British Insurers revealed that property insurance payouts recently hit a record quarterly high, paying out £1.4 billion between April and June 2024, so it's more important than ever to make sure you have the right cover. Comparing quotes with us is easy, and 51% of our customers paid on average £313.88
^ for a combined buildings and contents policy.
David McDermottroe Insurance & Personal Finance Expert
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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 type of home insurance can I get?
If you live in and own your home, you will generally need two types of home insurance:
Buildings insurance – which offers financial protection if there is damage to the structure of your home, usually including the fixtures and fittings
Contents insurance – which is designed to pay out if your belongings are lost or damaged while inside your home
You can buy these separately or via a combined home insurance policy. Combined cover is often the cheapest option if you need both buildings and contents insurance, because providers tend to offer discounts when buying both together.
If you live in a rental property – for example in a retirement village – you may only need to take out contents insurance because buildings insurance is already included in the annual service charges.
What extra policy features can I get with over 50s home insurance?
As with most home insurance policies, you can choose to add a range of extra types of cover to your over 50s policy, although you will usually have to pay for them.
Popular extras include:
Away from home cover: 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
Accidental damage cover: This includes damage caused by pets or issues such as spilling wine on your sofa
Legal protection cover: This covers the cost of legal representation if you become embroiled in a dispute such as a personal injury case
Bicycle cover: 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
If you own a caravan, you may also be able to add cover protecting these items to your home insurance for over 50s policy. Some insurers even offer certain extras, such as home emergency cover, for free when you first take out home insurance for over 50s – so when shopping around, it’s worth double checking exactly what is included.
How do I compare over 50s home insurance?
MoneySuperMarket makes it quick and easy to find a great deal on over 50s home insurance by showing you a list of policies that offer the level of cover you need.
Just tell us a bit about yourself and your home, whether you are looking for buildings insurance, contents cover or combined home insurance, and if you need any extra types of cover, and we will search the market for the best deals for you. Then all you have to do is choose a policy and click through to the provider to confirm your purchase.
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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.
Reviewed on 30 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
Accurate as of 30 December 2025.
Data based on the average premium of home insurance policies sold through MoneySuperMarket in October 2025.
Data based on the average premium of home insurance policies sold through MoneySuperMarket in October 2025.
Data based on the average premium of home insurance policies sold through MoneySuperMarket in October 2025.
Data based on the average premium of home insurance policies sold through MoneySuperMarket in October 2025.
Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in October 2025.