Home Insurance for over 70s

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.