Personal possessions
Protects individual belongings like laptops, phones, or jewellery when you take them outside your home.
Standard: Optional add-on
Gold: Optional add-on
Platinum: Included
Admiral home insurance
Compare Admiral home insurance quotes.
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How good is Admiral home insurance?
Admiral is a long-established UK insurer with an 'Excellent' Trustpilot rating and over 1 million home insurance customers. It offers three levels of cover, allowing customers to balance cost against the amount of protection they want.
Admiral's multicover option means home insurance customers can get a discount by also taking out Admiral motor insurance.
Admiral's parent company, EUI, paid out 50-55%[2] of buildings insurance claims and 60-65%[2] of contents insurance claims in 2023, according to the latest Financial Conduct Authority (FCA) data. The industry averages were 63.2%[2] and 73.5%[2].
Is Admiral home insurance highly rated?
Admiral's higher-tier contents and buildings policies (Home Insurance Gold and Platinum) receive the maximum five-star Defaqto rating for features and benefits, while its standard home insurance policies are rated three stars. Defaqto is a leading independent reviewer of financial products.
Does Admiral offer contents insurance?
Yes, Admiral offer three tiers of contents-only home insurance policies: Standard, Gold and Platinum.
Alongside damage caused by common insurable events, all Admiral contents policies offer some cover for money and credit cards, bicycles, locks and keys, digital downloads, freezer food, celebration gifts, plants, office equipment and official documents.
With Gold and Platinum policies you get extra protection, including for items temporarily away from home, items kept at university, and visitor belongings.
What will a Admiral home insurance policy cover me for?
All Admiral contents and buildings home insurance policies include some cover for damage and loss caused by the following events:
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Storms and floods
Wind, rain, snow and flood damage
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Escape of water
Leaks from pipes, tanks and appliances
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Theft and attempted theft
Stolen items and break-in damage
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Vandalism and malicious acts
Deliberate damage to your home or belongings
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Fire
Fire, smoke, lightning and explosion damage
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Subsidence
Ground movement causing structural damage
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Liability cover
If you are responsible for a third party injury or property damage
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Alternative accommodation
Temporary housing if your home can't be lived in
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Host cover
Up to 90 days of Airbnb-style home letting
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Locks and keys
Replacement locks for lost or stolen keys
What extras can I add to my Admiral home insurance?
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Home emergency
Covers emergency callouts and services from tradespeople, like plumbers, electricians.
Standard: Optional add-on
Gold: Included
Platinum: Included
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Legal protection
Covers legal costs for issues like conveyancing, probate, and disputes with neighbours.
Standard: Optional add-on
Gold: Optional add-on
Platinum: Included
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Accidental damage
Protects your home from accidental mishaps, like broken windows, cracked tiles, or stained carpet.
Standard: Optional add-on
Gold: Some cover included
Platinum: Included
Example home insurance quote from Admiral
Admiral
Great for
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Alternative accommodation: comes as standard
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Unlimited buildings cover: comes as standard
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Home emergency: comes as standard
But be aware that
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Audio visual accidental damage: optional with Admiral Cover
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Pest infestation: optional with Home Emergency Extra Cover
This is for illustrative purposes only. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example.
Learn more about our full methodology here.
What is included in Admiral Home Insurance Gold and Platinum?
Admiral Gold and Platinum policies include additional cover and benefits that aren't available on Admiral's standard policy. For example, both include home emergency cover as standard on their buildings policy, while contents cover extends to some items outside the home, including belongings taken to university.
Admiral Gold also includes some limited accidental damage cover for things like your TVs, shower glass and sinks. Admiral Premium includes more comprehensive accidental damage cover for your contents, as well as personal possessions cover, legal cover and enhanced home emergency cover. Admiral Platinum also covers possessions taken by family members to nursing homes.
Other benefits of the highest-tier Admiral home insurance policy is that if an item in a matching set is damaged beyond repair, you can claim to replace the whole set. Admiral Platinum also includes a 30-day grace period for newly purchased high-value items, giving you cover before you've added them to your policy.
Is it worth upgrading to Admiral Home Insurance Gold or Platinum?
Choosing Admiral Gold may be worth it if you want broader protection for everyday belongings and lower-value incidents that aren't covered by the standard Admiral policy, such as a family member accidentally smashing the TV or cracking a sink. Gold also includes Home Emergency cover as standard, which can be valuable if you'd otherwise buy it separately.
Upgrading to Admiral Platinum may be worth it if you want all the common home insurance add-ons, as these come included. The £2,000 limit for personal possessions cover could give you peace of mind when you're taking an expensive phone or laptop out the house, for example.
You may not need Gold or Platinum if you're mainly looking for protection against major risks such as fire, flood, theft and subsidence, as these are already covered by Admiral's standard policy. Likewise, if you already have other forms of protection like phone insurance or rent your home and therefore don't need items like home emergency cover, the additional benefits of the higher tiers may offer less value.
Is Admiral the best company to insure my home with?
Which home insurer is best for you will depend on your own needs and circumstances. Here are some advantages and disadvantages of Admiral home insurance to help you make your decision:
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Pros of Admiral home insurance
Higher tier policies include popular add-ons like home emergency cover, personal possessions cover and accidental damage cover
Broader definition of storm damage compared to some insurers, including heavy rain, snow and hail as well as high winds
Host cover is included as standard in all policy tiers, meaning you are covered to rent your home out for short-term lets
Gold and Platinum policies extend the contents cover to university, which is useful for families including students
Multi-cover option means you could save money if you also wanted Admiral motor insurance
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Cons of Admiral home insurance
Only 50-55%[2] of buildings claims are accepted, which is below the industry average of 63.2%[2]
Only 60-65%[2] of contents claims are accepted, which is below the industry average of 73.5%[2]
Received a below-average claims score of 68%[5] in the latest Which? survey asking customers how Admiral handled their home insurance claims
Monthly payments can be expensive, with interest charged at up to 22% APR
Rental platforms like AirBnB often already offer similar insurance protection for hosts
Administration fees for policy changes and cancellations are higher than some competitors
How does Admiral home insurance compare to other home insurance policies?
Data below is for standard combined buildings and contents home insurance policies. Ratings and inclusions may be different for individual policy types and for higher-tier policies with more features and inclusions.
Admiral Standard | Tesco Standard | Esure | Aviva | |
|---|---|---|---|---|
Defaqto Rating | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating[6] | 68%[5] | 76%[7] | N/A | 70%[7] |
Claims payout rate[2] | 50-55%[2] | 75-80%[2] | 55-60%[2] | 70-75%[2] |
Single item limit | £2,000 | £2,000 | £1,499 | £2,000 |
Office equipment covered? | Yes | Yes | Yes | Yes |
Administration fees | £25 to change policy £39.50 to cancel | £25 to change policy £35 to cancel | £20 to change policy £58 to cancel | £0 to change policy online £29 to cancel |
Further information |
How do I contact Admiral?
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Online portal
You can use the MyAccount portal to:
Make changes to your policy
View policy documents
Change payment details
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By phone
The customer service number is: 0333 220 2003
The renewals line is: 0333 220 2016
Opening hours: Mon-Fri: 8am-7pm, Sat: 9am-3pm, Sun: 9.30am-4pm
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By post
The postal address is:
Admiral Group
David Street
Cardiff
CF10 2EA
How do I make a home insurance claim with Admiral?
If you need to make a claim on your Admiral home insurance policy, contact Admiral as soon as possible after an incident.
You’ll usually need your policy number, details of what happened (date, time, location), and evidence of the damage. This could include photos, videos, receipts, repair estimates or, if a crime was involved, a crime reference number from the police.
Admiral claims line:
0333 220 2035
Claims lines are open: Monday to Friday (8am to 9pm), Saturday (9am to 9pm) and Sun (10am to 9pm).
You can also start a claim online, by logging into your MyAccount.
How do I cancel my Admiral home insurance?
🚩 You will not get any money refunded if you have already made a claim on your home insurance
You can cancel your Admiral home insurance online or you can call them.
The number is 0333 220 2003
I'm coming up for renewal
You can tell Admiral at any point up until your renewal date that you do not wish to renew your policy.
There is no charge for not renewing.
I've just taken out a policy
If you cancel your Admiral home insurance within the first 14 days of your policy starting you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
Admiral will charge you a £25 admin fee, which will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it has started, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
Admiral will charge you a £39.50 admin fee, which will be taken out of your refund.
My policy has auto-renewed
If you cancel your Admiral home insurance within the first 14 days of your policy auto-renewing you will be entitled to a refund of the premiums you paid minus a pro-rated amount for the days you were covered.
Admiral will charge you a £25 admin fee, which will be taken out of your refund.
If you wish to cancel your policy at any time later than 14 days after it has auto-renewed, you may be entitled to a partial refund of the premiums you paid, minus a pro-rated amount for the days you were covered.
Admiral will charge you a £39.50 admin fee, which will be taken out of your refund.
What other products does Admiral sell?
Alongside home insurance, Admiral offers a number of other insurance and money products:
Who underwrites Admiral home insurance?
Admiral home insurance is underwritten by Admiral Insurance (Gibraltar) Limited (AIGL).
AIGL is authorised by the Prudential Regulation Authority. It is regulated by the Financial Conduct Authority (FCA) and by the Prudential Regulation Authority. The firm reference number is 220858. You can check these details at www.fca.org.uk/register.
Can I pay Admiral home insurance in monthly instalments?
Yes, you can pay for your home insurance policy in monthly instalments if you’re eligible. You will be subject to a credit check.
Since Admiral charges interest of up to 22% on monthly payments, paying monthly is much more expensive than paying for your insurance in one annual lump sum. And if you miss a monthly payment your cover could be voided.
💡 Top tip: If you can't afford to pay your home insurance as a lump sum, one way to avoid the insurer's interest charges is to put the payment on a 0% credit card.
Does Admiral home insurance cover subsidence?
Loss or damage caused by subsidence is covered under Admiral’s buildings and contents insurance, but with some exclusions. These include:
Loss or damage caused by subsidence, heave or landslip resulting from storm or flood
Loss or damage caused by subsidence, heave or landslip resulting from the water leak (escape of water)
Loss or damage caused by: The weight of the buildings compressing and moving the ground, within 10 years of them being built (this is known as settlement); shrinkage or expansion; coastal or river erosion; demolition or structural changes or repairs to your home
You should check your Admiral home policy schedule for details. Your policy schedule will also explain the amount of excess you would need to pay for a subsidence claim.
Does Admiral home insurance cover home emergency and boiler breakdowns?
Admiral Gold and Admiral Platinum home insurance includes home emergency cover, including boiler breakdowns.
But you’ll need to pay extra to add this to your policy if you have Admiral standard home insurance.
Does Admiral home insurance cover belongings away from home?
Only Admiral Platinum Home Insurance includes personal possessions cover, which protects valuables such as phones, jewellery or laptops when you're carrying them with you outside the home. You can add personal possessions cover to Admiral Gold and Admiral Standard Home Insurance policies for an extra fee.
Admiral Gold will cover the contents of a member of the family while they are at university, and Admiral Platinum offers both this student cover and protection for the contents of a member of the family who is in a residential home.
Does Admiral home insurance cover gardens and outbuildings?
Yes, although the amount of cover depends on your policy level. Admiral Standard covers damage to garden plants and garden damage caused by forced entry.
Admiral Gold and Platinum adds protection for loss and damage caused to garden contents that is in your yard or in garages, sheds and other outbuildings.
As with all home insurance policies, limits and exclusions apply. For example, there are exceptions high-risk items like bicycles and damage caused by storms. It's worth checking the policy wording if you keep high-value items in a shed, garage or garden.
What is Admiral's home insurance excess?
Admiral's excess varies depending on the type of claim, level of cover and the level of voluntary excess you choose. A higher voluntary excess can reduce your premium, but you'll have to pay more towards any successful claim.
Admiral charges larger excesses for claims relating to escape of water, flooding and subsidence. These are usually around £350 for water-based claims and £1,000 for subsidence claims.
There are no excesses charged for claims related to home emergency claims, legal expenses claims, and liability claims.
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At MoneySuperMarket, we want to give you clear, accurate and trustworthy information so you can make confident financial decisions for your circumstances.
Every page on our website goes through a careful editorial process before it is published. It’s written or reviewed by one of our experienced experts, checked for accuracy, and updated regularly to reflect the latest information.
We do use AI tools to support our research and drafting, but a human editor is always in the loop to review, fact-check and approve everything before it’s published, so you can trust that what you’re reading is both reliable and up to date.
You can read more in our editorial guidelines.
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We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is home insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy home insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is home insurance eligible for Price Promise?
Yes, home insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 10 Sep 2026 by
Sources and supporting information
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[1]
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
-
[2]
Source: Financial Conduct Authority (FCA), 2025. 'General insurance value measures data 2024' https://www.fca.org.uk/data/general-insurance-value-measures-data-2024#revisions
-
[3]
Defaqto is a leading independent reviewer of financial products. Three stars is for 'a standard product providing an average level of features and benefits'.
Individual insurance products from Admiral may have different ratings. Data from the Defaqto website. Data from June 2026.
-
[4]
Defaqto is a leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Individual insurance products from Admiral may have different ratings. Data from the Defaqto website. Data from June 2026.
-
[5]
Source: Which?, 2025, 'Admiral home insurance review' https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/admiral-home-insurance-review-aCVeo7y8isas
-
[6]
The independent review site Which? has created claims scores for 35 leading home insurers based on interviews with 2,804 members of the public who had made an insurance claim in the last two years. Claim scores are based on how satisfied these claimants were with their provider and how likely they would be to recommend them in the future. You can see more on the Which? website: https://www.which.co.uk/money/insurance/home-and-mobile-insurance
-
[7]
Source: Which?, 2025, Best UK home insurance policies and providers compared?, https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/best-and-worst-home-insurance-abtdC2Z1qveJ
