Skip to content

Home Insurance for over 60s

Compare quotes for over 60s home insurance

  • Compare cheap home insurance quotes

feefo logo
4.7 out of 538,265 reviews

Compare cheap home insurance from over 66 providers

We’re committed to finding the right cover for you and your home. 

That’s why we compare more than 66 of the biggest insurance providers in the country, including:

company logo for lv-v1
company logo for churchill-110-2
company logo for Halifax-110-new
company logo for Admiral-july-min
company logo for tesco-bank-v2
company logo for policy-expert-110
company logo for hastings-v1

1Accurate as of October 2023

*Restrictions & T&Cs apply

Why compare insurance quotes with MoneySuperMarket?

Whatever cover you’re looking for, the easiest way to find the best policy is by comparing home insurance quotes online. You can compare policies in one simple search on MoneySuperMarket.

  • Trusted

    With 30 years' experience, we're trusted by our customers. We only work with insurance providers authorised and regulated by the FCA.

  • Save money and earn rewards

    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.

  • Compare quotes in minutes

    Fill out one form in minutes to compare quotes from multiple providers. You can also save time in the future by storing your details, allowing you to refresh your quotes in seconds.

Is home insurance cheaper for over 60s?

Yes, because insurance companies often offer lower prices on home insurance for people aged 60 or over. That’s because statistics show older people are less likely to make a claim and even when they do, it is usually for less than younger people.

Older people also qualify for policies from specialist insurance companies such as SAGA, Age UK and Rias, which means you may be able to find a cheaper policy than you did a few years ago if you’re part of that happy group.

Insurance won’t be cheap if you have a very large home or live in an area with a high crime rate or flood risk, for example. Meanwhile, having lots of previous insurance claims on your record or using your home as a place of business can also push up the cost.

house images

How much is home insurance for over 60s?

The average cost of a home insurance policy for people aged over 60 is:

  • £99*


  • £51*


  • £125*


*Data collected by MoneySuperMarket, accurate as of November 2021

Tips for even cheaper home insurance

  • Improve home security

    Installing burglar alarms and secure locks can reduce insurance costs – especially if you’re in a burglary hotspot

  • Avoid an empty home

    Unoccupied homes are at a higher risk of being burgled or damaged by fire or escaped water

  • Insulate your pipes

    Insulating pipes reduces the risk of water damage if they freeze and thaw in cold weather

  • Personal accident

    Fitting smoke alarms around your home is essential to keep you safe and it can also save you money through lower premiums

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

Based on 38,265 reviews
our customers rate us

Excellent choice and price
Saved £200 on house insurance
Smooth and easy.So easy to use the website. It took no time at all to get what I wanted.

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.

If you live in a house, 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 theme separately or simply get a combined home insurance policy. That is often the cheapest option if you need both types of cover because insurance companies tend to offer discounts on combined policies.  

If you live in a flat – for example in a retirement village – you may only need to take out contents insurance because buildings insurance is likely to already be included in the yearly service charge you pay.

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.

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 Monitor

  • 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.