We’re committed to finding the right cover for you and your home.
That’s why we compare more than 87
Over 60s home insurance is tailored to meet the needs of older homeowners, often offering features that reflect their lifestyle and priorities.
These home insurance policies may include cover for age-related items such as mobility aids, stairlifts, hearing aids, or specialist medical equipment kept in the home.
Many insurers also offer added flexibility, such as extended cover for unoccupied homes during longer holidays or hospital stays – something particularly useful for retirees who travel frequently or spend time away visiting family.
Home insurance for over 60s often comes with tailored features that reflect the needs and lifestyles of older policyholders.
One key difference is tailored discounts and perks – many insurers offer lower premiums, no-claims bonuses, or enhanced contents cover, recognising that over 60s are generally considered lower risk.
This age group might also benefit from added value, such as accidental damage cover or replacement locks, at no extra cost.
Another major difference is that these policies often include extended unoccupancy cover, ideal for retirees who travel or spend longer periods away from home.
They may also provide protection for high-value personal items like jewellery, hearing aids, or mobility equipment.
Insurance companies often offer lower premiums to older homeowners, as they are statistically less likely to make claims.
You don’t need a specific “over 60s” home insurance policy, but it can be a good option if you're retired or approaching retirement.
Over 60s policies might include:
Home insurance typically includes two main types of cover: buildings insurance and contents insurance, and you can buy them separately or as a combined policy:
Covers the structure of your home – walls, roof, floors, windows, and permanent fixtures like kitchens and bathrooms.
For example, if a storm damages your roof or a pipe bursts and floods your walls, buildings insurance would help pay for repairs.
It also often covers damage from fire, floods, subsidence, and vandalism (like broken windows or graffiti).
Protects your belongings inside the home, such as furniture, electronics, clothing, and valuables.
So if your TV is stolen during a burglary or a water leak ruins your sofa, contents cover would help replace or repair those items.
Some policies also include accidental damage, like spilling paint on a carpet or dropping a laptop.
Compare quotes from 87
The average cost of a home insurance policy for people aged over 60 is typically cheaper than it is for younger age groups. However, premiums reduce further when you move into your seventies.
Age Group | Average Home Insurance Premium |
|---|---|
41-50 years | £304.35 |
51-60 years | £295.05 |
61-70 years | £268.27 |
70+ years | £253.98 |
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.
We're trusted by our customers. We only work with insurance providers authorised and regulated by the Financial Conduct Authority (FCA).
Avoid auto-renewing and compare tailored quotes for free to find the cheapest insurance for you. Buy through us and get unlimited access to free days out (on our app) and much more with SuperSaveClub.
Comparing quotes remains one of the best ways to save money and time. Storing your details allows you to refresh your quotes in seconds.
Aviva
Annual Price
£184.71
Total Excess
Buildings: £500 Contents: £100
Cover Level
Buildings: £1m Contents: £100k
Great for
But be aware that
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.
Installing burglar alarms and secure locks can reduce insurance costs – especially if you’re in a burglary hotspot
Unoccupied homes are at a higher risk of being burgled or damaged by fire or escaped water
Insulating pipes reduces the risk of water damage if they freeze and thaw in cold weather
Fitting smoke alarms around your home is essential to keep you safe and it can also save you money through lower premiums
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
With most home insurance policies, including over 60s cover, there is a choice of a range of extras you can add, although you will usually have to pay extra for the additional cover.
Popular extras include:
Accidental damage cover – it will pay out for damage caused by pets or issues such as dry rot
Personal belongings cover – covers your possessions while you’re away from home, such as your watch or smartphone
Home emergency cover – can be useful if you have an emergency such as your boiler breaking down
Legal protection cover – covers the cost of representation if you become involved in a legal dispute, such as a personal injury case
If you own a caravan, or maybe an expensive bicycle, you may be able to add cover offering protecting for items like these to your over 60s home insurance policy. Some insurers even offer certain extras, such as home emergency cover, for free when you first take out over 60s cover with them – so when shopping around, it’s worth double checking exactly what extras are included.
MoneySuperMarket makes it quick and easy to find a great deal on over 60s 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.
When applying for over 60s home insurance, you’ll need to provide some personal information, along with details about your property. Key details you'll need include:
Your home address, property type and number of bedrooms
The construction and structural details of your home, and whether the roof is flat or pitched
The year the property was built and the estimated rebuild cost of your home
Any security features, such as burglar alarms or CCTV systems
The total value of your contents, including valuables, mobility aids, or medical equipment
How long you might want to leave the property unoccupied for (e.g. for holidays)
Providing accurate, up-to-date information helps ensure you get the most suitable cover and avoid issues if you ever need to make a claim. Some insurers specialise in over 60s, offering more comprehensive phone support.
There are several practical ways to reduce your home insurance premiums once retired:
Improve home security – Installing burglar alarms, secure locks, and CCTV can lower your risk profile and qualify you for discounts
Increase your voluntary excess – Choosing a higher excess (the amount you pay towards a claim) can reduce your monthly premium, but make sure it’s affordable if you need to claim
Bundle policies – Buying buildings and contents insurance from the same provider might work out cheaper
Limit unnecessary cover – Review optional extras and remove any you don’t need, like cover for high-value items you no longer own
Pay annually – Paying your premium in one lump sum, rather than monthly, often works out cheaper
Maintain a no-claims history – Avoiding small claims can help build a discount over time
Shop around at renewal – Don’t auto-renew; compare quotes each year to make sure you’re still getting the best deal
Inform your insurer if you’re retired – Some insurers offer discounts to retirees, as they’re seen as lower risk due to being home more often
Yes, many insurers offer loyalty discounts or no-claims bonuses for older homeowners, particularly those over 60.
Retirees are often seen as lower risk because they're more likely to be at home during the day, maintain their property well, and make fewer claims.
If you haven’t made a claim in several years, you may be rewarded with a discount on your premium.
Some insurers also provide additional perks for long-term customers, such as enhanced cover or reduced excesses.
However, it’s still worth comparing quotes regularly, as loyalty doesn’t always guarantee the best price.
Yes, you should disclose if you're retired or semi-retired when applying for home insurance. Insurers use your employment status to help assess risk and calculate your premium.
Being retired often works in your favour, as you're more likely to be at home during the day, which can reduce the risk of burglary or unnoticed damage – potentially lowering your premium.
Failing to provide accurate information could affect your cover or lead to issues if you need to make a claim, so it’s always best to be upfront about your current situation.
Yes, most home insurance policies, including those for over 60s, usually cover items kept outside your home – like garden furniture, sheds, or tools – under the contents insurance section.
However, cover limits for outdoor items are often lower than for belongings inside the house, and some policies may set a maximum amount payable for these items.
To calculate how much cover you need from your home insurance policy, you’ll need to do two easy sums:
First, find out how much it would cost to rebuild your property from the ground up if it was destroyed by a calamity such as fire, flood or a storm. This will usually be less than the market value of the property. Use our guide to working out the rebuild cost of your home.
Second, work out the total value of the contents of your home, and how much it would cost to replace every item. Go through each room writing down everything you see and then go online to find out how much it would cost to replace each item.
With most home insurance policies, including over 60s cover, there is a choice of a range of extras you can add, although you will usually have to pay extra for the additional cover.
Popular extras include:
Accidental damage cover – it will pay out for damage caused by pets or issues such as dry rot
Personal belongings cover – covers your possessions while you’re away from home, such as your watch or smartphone
Home emergency cover – can be useful if you have an emergency such as your boiler breaking down
Legal protection cover – covers the cost of representation if you become involved in a legal dispute, such as a personal injury case
If you own a caravan, or maybe an expensive bicycle, you may be able to add cover offering protecting for items like these to your over 60s home insurance policy.
Some insurers even offer certain extras, such as home emergency cover, for free when you first take out over 60s cover with them – so when shopping around, it’s worth double checking exactly what extras are included.
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.
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.
Whip your credit score into shape with Credit Score
Super save over and over again with Energy Monitor
There are always more ways to save with MoneySuperMarket
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.
Reviewed on 26 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 26 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.
51% of consumers could save up to £514.27 Consumer Intelligence , Oct 2025 Exc NI, CI, IOM
