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Home insurance for over 70s
Compare quotes for over 70s home insurance
Is home insurance cheaper for over 70s?
✔ Yes, home insurance can sometimes be cheaper for people over 70, mainly because insurers often view them as lower risk in certain respects. The reasoning is tied to lifestyle patterns such as:
More time at home – This deters burglars and also means households are more likely to notice issues like leaks or electrical faults early.
Stable routines – Fewer late nights out or long holidays abroad reduce the likelihood of the home being left empty for extended periods.
Community presence – Older homeowners may live in established neighbourhoods where people know each other
📌 Factors that could increase costs for over 70s include:
Larger or older homes – Larger family homes usually have higher rebuild costs, outdated wiring, or other features insurers view as risks.
Valuable possessions – A lifetime of accumulated belongings, antiques, or jewellery can push up contents insurance premiums.
Claims history – If someone has made several insurance claims in the past, premiums are likely to be higher regardless of age.
Health and mobility issues – Risks like accidental damage, slips, or forgetting maintenance tasks could influence an insurer’s view of potential claims.
How much is home insurance for over 70s?
For homeowners over 70, the cost of home insurance can vary significantly depending on factors such as the type of property, its location, and the level of cover chosen.
According to MoneySuperMarket statistics, the average home insurance for someone aged 70+ is £253.85
The table shows the average premium for age groups from 40 upwards.
📌 For example, a large, detached house in an area with higher crime rates or flood risk will generally attract higher premiums than a smaller, modern bungalow in a low-risk neighbourhood.
Similarly, opting for comprehensive cover that includes accidental damage, high-value items, or extended rebuild protection will cost more than a basic policy.
Age Group | Average Home Insurance Premium |
|---|---|
41-50 years | £303.87 |
51-60 years | £294.85 |
61-70 years | £268.99 |
70+ years | £253.85 |
What optional extras can I get with over 70s home insurance?
Optional extras on home insurance can be especially useful for over 70s, as they allow policies to be tailored to individual lifestyles and needs.
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Unoccupied home cover
Standard policies often restrict cover if a property is empty for more than 30 days. Over 70s may need longer unoccupied periods due to extended travel or hospital stays, so specialist insurers may extend this limit or offer tailored options.
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Home emergency cover
This add-on can be particularly valuable for over 70s who want quick, stress-free repairs without having to arrange contractors themselves. Some insurers even offer enhanced 24/7 support lines aimed at older customers.
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High-value items cover
Many in this age group have built up collections of jewellery, antiques, or heirlooms. Specialist providers may offer higher single-item limits to avoid the hassle of individually listing every possession.
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Accidental damage cover
While available to all, it may be more appealing to over 70s who spend more time at home, where accidental mishaps are more likely to occur.
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Garden and outdoor cover
For retirees who take pride in their garden, insurers may highlight or enhance this option, protecting sheds, greenhouses, and plants that often represent years of investment and care.
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Unoccupied property restrictions
Some mainstream insurers can be stricter with older age groups, assuming a higher risk of claims if health issues mean the home is left unattended. In these cases, specialist over 70s cover can help avoid exclusions.
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Our expert says…
While your needs might be different once you hit 70, it's still worth having insurance in place to avoid any nasty surprises. According to recent data from the Association of British Insurers (ABI), insurers paid out £322 million for damage caused by storms, heavy rainfall and frozen pipes between April and June 2025
It's important to get the right insurance for your personal circumstances, though. If you live in a retirement home then you probably won’t need buildings cover, but you might still want to consider insuring your possessions via contents insurance. However, if you need both, it's worth looking at a joint policy, which might work out cheaper. The annual premium our customers paid for a contents and buildings policy in June 2025 was £252.93
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Emma Lunn Personal finance expert
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How do I compare over 70s home insurance?
The key to getting the best deal on home insurance for seniors is to shop around for the level of cover you need at the lowest price. MoneySuperMarket makes it easy by showing you a list of policies that meet your needs, whether you are looking for buildings insurance, contents cover or combined home insurance.
Just tell us a bit about you and your home, as well as any extras such as home emergency cover that you need, and we will scour the market for the best deals for you. Then all you have to do is click through to your chosen provider to confirm your purchase and get insured. Make sure to carefully read the details of the policy so you understand the level of coverage and whether it will suit your needs.
What type of home insurance can I get?
While the needs of over-70s differ somewhat, you will still need home insurance if you live in and own your house. You will generally need two types of home insurance. Neither are mandatory if you don’t have a mortgage, but it is definitely worth having cover in place to avoid any nasty surprises.
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, stolen 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 flat or rental property, you may only need to take out contents insurance. This is because buildings insurance is usually already provided by your landlord or included in your annual service charges.
How much cover do I need?
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.
Will I need home insurance if I move into a retirement home?
You will not usually need buildings insurance as this should be provided by the operator of your retirement home. You might want to consider contents insurance though, to protect your belongings.
Will home insurance cover a mobility scooter?
Yes, it usually can, provided your mobility scooter or electric wheelchair isn’t licensed for road use. Some policies will even cover things like stairlifts, hoists, ramps and other mobility aids you may have in your home - but check the cover to make sure, as some policies may require you to list it separately.
If you use your mobility scooter at home, it’ll be covered under contents insurance. You may also be able to extend your policy to cover its use outside of home, but you will need to discuss this with your insurer.
Can over 70s get extended unoccupied home cover for long trips?
Yes – many insurers offer extended unoccupied home cover for over 70s, recognising that retirees may take longer trips or spend time away for family or medical reasons.
Standard policies usually cover homes left empty for 30–60 days, but specialist over‑70s policies can extend this to 90, 120, or even 180 days, sometimes with conditions like keeping the heating on a timer, arranging regular property checks, or turning off the water supply.
Premiums may rise slightly for longer cover, but it’s generally cheaper than a separate short-term policy, making it a practical option for those who travel extensively.
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One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is home insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy home insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
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To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
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More information can be found on our SuperSaveClub homepage.
Is home insurance eligible for Price Promise?
Yes, home insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 12 Dec 2025 by
Accurate as of 12 December 2025.
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).