151% of consumers could save up to £114.16 a year on buildings and contents insurance. Consumer Intelligence, October 2021.
*Data collected by MoneySuperMarket, accurate as of November 2021
of our customers would buy again based on 36,421 reviews
Pop in some details about your home and your belongings, and compare quotes in just a few minutes
We’ll search the market for the cheapest deals, and help you choose the cover that suits your needs
We’ll show you claims experience for policies, to help you choose the right home insurance policy for you
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 o replace every item
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, which is often the cheapest option if you need both types of cover because insurers tend to offer discounts on their combined policies.
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.
As with most home insurance policies, you can choose to add a range of extra types of cover to your over 60s policy, although you will usually have to pay an extra premium to do so.
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 dry rot
Legal protection cover: This covers the cost of legal representation such 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, or an expensive bicycle, 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 with them – so when shopping around, it’s worth double checking exactly what is included.
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.
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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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.