Why choose Churchill home insurance?
Churchill began selling home insurance over 30 years ago after making its name in the car insurance business.
While the insurer has expanded its services to offer travel, pet and van insurance, Churchill still places a strong focus on customer service. Its call centre operates seven days a week and contacts 1,000 customers every month to survey customer satisfaction. You can buy policies by telephone or online.
What types of home insurance can I get with Churchill
Churchill offers buildings and contents insurance, which can be bought under a combined policy if required, with two different levels of cover, Home Insurance and Homes Plus.
| Churchill Home Insurance | Churchill Home Plus |
Buildings cover | £1m | Unlimited |
Contents cover | £50,000 | £100,000 |
Alternative accommodation | Up to £25,000 (£40k building and contents combined) | £50,000 (£80k buildings and content combined) |
Helpline | ||
Trace and access | £5,000 | £10,000 |
Home emergency cover | Optional | |
Family legal protection | Optional | Up to £100,000 |
Accidental damage cover | Optional | |
Bicycle cover | £500 per bike | £1,000 per bike |
Cover away from home | £2,500 | £5,000 |
Example home insurance quote from Churchill
Churchill
Great for
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Homeowners legal cover – comes as standard
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New for old cover: comes as standard
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Tracing and access of leaks – comes as standard
But be aware that
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Accidental damage to buildings: only included with Home Plus
-
Home emergency: only included with Home Plus
Can I cancel my Churchill home insurance and switch providers?
Even if your home insurance policy was taken out for a year, you can cancel it at any time. However, you may have to pay a fee depending on when your policy renews.
If your policy is due for renewal and you want to switch providers, you need to call Churchill on 0800 032 9488, or inform them in writing, before your renewal date. If you’ve just taken out a policy and want to cancel within 14 days of the start of the new policy, or of receiving your documents (whichever is greater) you’ll get a refund of premiums paid and won’t have to pay a fee.
Should you want to cancel your policy because it has auto renewed at a more expensive premium, and it’s after 14 days have passed, Churchill will return what you have paid, minus an administration fee, as long as you haven’t made a claim.
What add-ons can I get with Churchill?
Churchill offers buildings and contents insurance which can be combined. Its Home Insurance and Home Plus policies include the following add-ons:
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Accidental damage cover
For unexpected accidents in your home
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Personal possessions cover
Away from home for items you wear or carry
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Home emergency cover
24-hour cover for a range of situations
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Family legal guard
Access to a legal helpline and legal expenses cover
How do I contact Churchill?
You can contact Churchill Home Insurance’s customer service by phone on 0345 603 3551. New customers can call on 0800 032 7199, and for renewals you can use the online form or call 0345 603 3560.
If you’d prefer to contact Churchill by post:
Churchill
The Wharf
Neville Street
Leeds
LS1 4AZ
Who underwrites Churchill home insurance?
Churchill’s general insurance is underwritten by U K Insurance Limited.
Can I pay Churchill home insurance in monthly instalments?
Yes. You can pay your premium in instalments if you’re over 18, subject to eligibility.
What do Defaqto star ratings mean?
Defaqto star ratings assess a product's quality. They range from 1 Star to 5 Stars – which is considered an excellent product.
Do Churchill cover subsidence?
Yes up to £2,000.
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Reviewed on 24 Dec 2025 by
