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Compare quotes for over 70s home insurance
Compare cheap home insurance quotes
We’re committed to finding the right cover for you and your home.
That’s why we compare over 65 of the biggest insurance providers in the country, including:
1Accurate as of March 2023
*Restrictions & T&Cs apply
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.
If you are over 70, there are a few different home insurance policies you may want to 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 | Annual Premiums |
---|---|
Buildings | £162.70 |
Contents | £74.25 |
Combined | £192.94 |
*Data collected by MoneySuperMarket, accurate as of February 2023
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.
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
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.
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.
Sometimes accidents happen that are out of your control. Cover your valuables for these rare occurrences when something unexpected or unintentional happens.
We’re here to help you protect the things that matter most
Pop in some details about your home and your belongings, and compare quotes in just a few minutes
We’ll search the market for the cheapest deals, and help you choose the cover that suits your needs
We’ll show you claims experience for policies, to help you choose the right home insurance policy for you
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.
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.
f you live in a flat or rental property, you may only need to take out contents insurance. This is because it is usually already provided by your landlord or included in your 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.
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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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.