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Home Insurance for over 70s

Compare quotes for over 70s home insurance

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Compare cheap home insurance from 85i providers

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

That’s why we compare more than 85i of the biggest insurance providers in the country, including:

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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?

If you are over 70, there are a few different types of home insurance policies you should consider including; buildings insurance, content insurance or combined insurance. You should choose the type of policy that is right for you and your circumstances.

Cover type

Average Annual Premiums







*Data collected by MoneySuperMarket, accurate as of February 2023

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

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    Home emergency cover

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

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    Garden cover

    If you own valuable garden items like a barbecue or lawnmower, you should check what’s covered by your home insurance and consider extra cover where necessary.

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    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.

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    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

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    Accidental damage cover

    Sometimes accidents happen that are out of your control. Cover your valuables for these rare occurrences when something unexpected happens.

Why compare home 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.

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Sam Meadows

Our expert says


While your needs might be different once you hit 70, it is still worth having insurance in place to avoid any nasty surprises. However, working out which policies you need could be slightly more complicated. 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.

- Sam Meadows, Home Insurance Expert

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.

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.

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.

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.

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.

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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.

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