£94*
Buildings
Compare quotes for over 80s home insurance
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151% of consumers could save up to £114.16 a year on buildings and contents insurance. Consumer Intelligence, October 2021.
Once you reach your 80s, you can expect to get a cheaper premium for your home insurance. This is because insurers calculate premiums based on how risky they think you are. E.g., how likely you are to make a claim. And statistically, older customers are less likely to make a claim and when they do, the claim amount tends to be smaller than younger claimants.
Once a specialist area of insurance, this market now has a great range of choice from providers such as RIAS, Saga and Age UK, which offer packages specifically targeted towards older people.
These packages often include extras, such as a small welcome bonus or the guarantee of a price discount.
The average cost of a home insurance policy for the over 80s is:
Buildings
Contents
Combined
*Data collected by MoneySuperMarket, accurate as of November 2021
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
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 to replace every item
It's vital to accurately estimate the cover you need and not risk being under-insured, particularly if you have valuable possessions. Most insurance policies will insure single items up to a value of £1500 but possessions of greater value will need to be declared. If you have valuable items such as art or jewellery it's vital that you disclose them, as you may benefit from a more specialist insurance product. Additionally, there may well be specific conditions relating to how you safeguard your valuables, such as by keeping them in a safe.
If you live in and own your 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 rental property – for example in a retirement village – you may only need to take out contents insurance because buildings insurance is already included in the annual service charges.
As with most home insurance policies, you can choose to add a range of extra types of cover to your over 80s policy, although you will usually have to pay an extra premium to do so.
Popular extras include:
Accidental damage cover: This includes damage caused by pets or issues such as dry rot
Legal protection cover: This covers the cost of legal representation such you become embroiled in a dispute such as a personal injury case
Home emergency cover: No – no more ringing around for out of hours contractors when home emergencies happen, you’ll be given one number to call to sort out your problem
MoneySuperMarket makes it quick and easy to find a great deal on over 80s home insurance by showing you a list of policies that offer the level of cover you need.
Just tell us a bit about yourself and your home, whether you are looking for buildings insurance, contents cover or combined home insurance, and if you need any extra types of cover, and we will search the market for the best deals for you. Then all you have to do is choose a policy and click through to the provider to confirm your purchase.
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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.
