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Home Insurance for over 70s

Compare quotes for over 70s home insurance

Compare cheap home insurance quotes

Compare cheap buildings insurance from over 55 providers

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

That’s why we compare over 55 of the biggest insurance providers in the country, including:

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151% of consumers could save up to £114.16 a year on buildings and contents insurance. Consumer Intelligence, October 2021.

Is home insurance cheaper for over 70s?

Yes, over 70s often pay less for home insurance because insurers generally view older policyholders as attractive customers who tend to cost less and are often very loyal.

Because pensioners are seen as lower risk, you may also find you have access to a greater range of home insurance products once you hit your 70s – including policies from specialist providers such as Saga and Age UK.

However, you still have to shop around to get the best deal, not least because insurance companies often increase your premium when it comes up for renewal each year, meaning you pay more than new customers for the same cover. Known as a “loyalty premium”, it’s essentially a penalty for sticking with the same insurer.

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How much is home insurance for over 70s?

The average cost of a home insurance policy for the over 70s is:

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*Data collected by MoneySuperMarket, accurate as of November 2021

What extras can I get with over 70s home insurance?

  • Home emergency cover

    Useful if you have an emergency such as your boiler breaking down. It shouldn’t generally affect any no claims discount you have built up.

    Read more

  • Garden cover

    if you own items like a barbecue or lawnmower, you may want to check what’s covered by your home insurance and consider extra cover where necessary

    Read more

  • Legal protection cover

    Handy if you're in a legal dispute, for example with your neighbours. It usually offers access to a legal helpline and covers everyone who lives in the property.

    Read more

  • Unoccupied home

    As many over 70s enjoy spending their time travelling, and most standard home insurance policies only cover you to be away from home for up to say 30 days.

    Read more

Why compare home insurance quotes with MoneySuperMarket?

We’re here to help you protect the things that matter most

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    It doesn’t take long

    Pop in some details about your home and
    your belongings, and compare quotes in
    just a few minutes

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    We’ll search for savings

    We’ll search the market for the cheapest
    deals, and help you choose the cover that
    suits your needs

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    Get the right cover

    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 house 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 flatlive in a rental property – for example in a retirement village – you may only need to take out contents insurance. This is because  because buildings insurance cover is already provided by your landlord or included in the annual service charges.

Buildings insurance for your retirement home will usually be organised by the owner or organisation of it. You might want to consider contents insurance though, to protect your belongings.

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 have in your home - but check the cover to make sure.

If you use your mobility scooter at home, it’ll be covered under contents insurance. Using it outside your home means you’ll have to check it’s included under the policy’s personal possessions cover.

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.


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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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.