Accidental damage
Protects your home from accidental mishaps, like broken windows, cracked tiles, or stained carpet.
Essentials: Optional add-on
Home (Standard): Optional add-on
Home Plus: Included
Churchill home insurance
Compare Churchill home insurance quotes.
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How good is Churchill home insurance?
Churchill is a popular and well-known insurer, and it has insured UK customers since 1989, earning an Excellent score of 4.4 out of 5 from more than 30,000 Trustpilot reviews across all its products. It offers Home Essentials, Home Insurance and Home Plus, with buildings, contents or combined cover and optional extras. Existing Churchill car insurance customers may also qualify for a home insurance discount.
According to Financial Conduct Authority (FCA)'s 2024 data, Churchill’s underwriter, U K Insurance Limited, accepted 70-75%[2] of buildings-only claims and 70-75%[2] of contents-only claims.
Is Churchill home insurance highly rated?
Churchill's standard and highest-tier contents and buildings policy (Home Plus) receives the maximum five-star Defaqto rating for features and benefits, while its lower tier home insurance policies are rated three stars for buildings cover and two stars for contents. Defaqto is a leading independent reviewer of financial products.
Does Churchill offer contents insurance?
Yes, Churchill offers contents insurance on its own or alongside buildings insurance. There are three levels to choose from: Home Essentials, Home Insurance and Home Plus, with higher tiers offering increased limits and extra features.
All three tiers cover your belongings against events such as fire, theft, storms and escape of water. They also include replacement locks, alternative accommodation if your home becomes uninhabitable and personal liability cover, although limits vary.
Home Insurance adds cover for belongings temporarily outside the home, garden contents and employer’s liability. Home Plus also includes accidental damage, personal possessions cover, matching sets and pairs, home emergency cover and family legal protection as standard.
What will a Churchill home insurance policy cover me for?
All Churchill contents and buildings home insurance policies include some cover for damage and loss caused by the following events:
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Theft and attempted theft
Stolen items and break-in damage
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Fire
Fire, smoke, lightning and explosion damage
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Alternative accommodation
Temporary housing if your home can't be lived in
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Escape of water
Leaks from pipes, tanks and appliances
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Liability cover
If you are responsible for a third party injury or property damage
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Locks and keys
Replacement locks for lost or stolen keys
What extras can I add to my Churchill home insurance?
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Personal possessions
Protects individual belongings like laptops, phones, or jewellery when you take them outside your home.
Essentials: Optional add-on
Home (Standard): Optional add-on
Home Plus: Included and higher single item limit
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Home emergency
Covers emergency callouts and services from tradespeople, like plumbers, electricians.
Essentials: Optional add-on
Home (Standard): Optional add-on
Home Plus: Included
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Family legal protection
Covers legal costs for issues like conveyancing, probate, and disputes with neighbours.
Essentials: Optional add-on
Home (Standard): Optional add-on
Home Plus: Included
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
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Home emergency: only included with Home Plus
What is included in Churchill Home Insurance Standard and Home Plus?
Churchill Home Insurance and Home Plus offer higher cover limits than Home Essentials, particularly for buildings and contents. While Home Essentials provides a more basic level of protection, the higher tiers increase the amount you can claim if your home or belongings are damaged or destroyed.
Home Plus also includes several features that are optional or unavailable with the lower tiers. These can include accidental damage cover, personal possessions protection for items taken outside the home, and additional support such as legal expenses and home emergency cover.
Overall, the higher tiers are designed to provide broader protection and greater financial reassurance, especially if you have a higher-value property or want more comprehensive cover without adding extras separately.
Is it worth upgrading to Churchill Home or Home Plus Insurance?
Upgrading from Home Essentials may be worthwhile if its £500,000 buildings or £50,000 contents limits are not high enough for your home and belongings. Churchill Home Insurance raises these limits without automatically adding all the extras included with Home Plus.
Home Plus could be worth considering if you want accidental damage, personal possessions, legal expenses and home emergency cover. Compare the cost of upgrading with the price of adding the features you need separately, as Home Plus may offer better value if you would use several of them.
However, Home Essentials may be enough if its limits meet your needs and you only want protection against the main risks. Paying for a higher tier may not be worthwhile if you are unlikely to use its additional features.
Is Churchill 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 Churchill home insurance to help you make your decision:
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Pros of Churchill home insurance
Customers can choose between Home Essentials, Home Insurance and Home Plus, making it easier to balance price against the level of protection needed
Churchill’s underwriter accepted 80-85%[2] of combined home insurance claims in 2023, above the 70.7%[2] industry average.
Which? named Churchill Home Plus a Best Buy for contents insurance, giving it a policy score of 76%[6].
Its highest tier includes accidental damage, personal possessions, home emergency and family legal protection as standard.
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Cons of Churchill home insurance
Churchill received a 67%[6] Which? claims score, placing it joint 10th out of 24 home insurance brands
Which? gave Churchill Home Insurance 67%[6] for buildings and 66%[6] for contents, with its buildings policy sitting in the bottom fifth of those assessed
The standard buildings policy provides £25,000, while many other policies offered at least £50,000
Home Plus does not cover groundwater flooding and applies a £450 excess to escape-of-water claims
How does Churchill 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.
Churchill Home | Admiral Standard | LV= | Aviva | |
|---|---|---|---|---|
Defaqto Rating | ⭐⭐⭐⭐⭐ | ⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating[7] | 67%[6] | 68%[6] | 61%[6] | 70%[6] |
Claims payout rate[2] | 80-85%[2] | 50-55%[2] | 65-70%[2] | 70-75%[2] |
Single item limit | £2,000 | £2,000 | £2,000 | £2,000 |
Office equipment covered? | Yes | Yes | Yes | Yes |
Administration fees | No fee to change Cancellation fee not specified | £25 to change policy £39.50 to cancel | £32 to change policy £32 to cancel | £0 to change policy online £29 to cancel |
Further information |
How do I contact Churchill?
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Online Portal
You can use the Account portal to:
Make changes to your policy
View policy documents
Change payment details
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Phone
The customer service number is: 0345 301 1648
Opening hours: Mon-Fri: 8am-8pm, Sat: 9am-5pm, Sun: 9am-4pm
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WhatsApp
You can also message the Churchill customer service team on WhatsApp - there is a QR code on the provider's website.
How do I make a home insurance claim with Churchill?
If you need to make a claim on your Churchill home insurance policy, contact Churchill 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.
Churchill claims line:
0345 301 1648
Claims lines are open weekdays 8am to 8pm and Saturdays 9am-5pm. Claim lines are closed on Sundays.
You can also start a claim online, by logging into your MyAccount.
How do I cancel my Churchill home insurance?
🚩 You will not get any money refunded if you have already made a claim on your home insurance
You can cancel your Churchill home insurance online or you can call them.
The number is 0345 301 1648
I'm coming up for renewal
You can tell Churchill 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 Churchill 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.
Churchill will charge you an unspecified 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.
Churchill will charge you an unspecified admin fee, which will be taken out of your refund.
My policy has auto-renewed
If you cancel your Churchill 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.
Churchill will charge you an unspecified 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.
Churchill will charge you an unspecified admin fee, which will be taken out of your refund.
What other products does Churchill sell?
Alongside home insurance, Churchill offers a number of other insurance products:
Who underwrites Churchill home insurance?
Churchill home insurance is underwritten by U K Insurance Limited, which is part of the Direct Line Group.
Can I pay Churchill home insurance in monthly instalments?
Yes, you can pay for Churchill home insurance annually or spread the cost through monthly instalments. Paying monthly is a form of credit and usually costs more than paying for the year upfront.
Does Churchill home insurance cover subsidence?
Yes, Churchill buildings insurance covers damage caused by subsidence, heave and landslip, subject to the policy terms and exclusions.
Outdoor features such as garden walls, paths and fences may only be covered for subsidence when the main home is damaged at the same time by the same cause. A separate subsidence excess normally applies.
Does Churchill home insurance cover home emergencies and boiler breakdowns?
Churchill Home Emergency cover is included as standard with Home Plus and can be added to Home Essentials or Home Insurance for an extra cost.
It provides up to £500 per call-out for emergencies such as the failure of your main heating system, electricity or water supply. If your boiler cannot be economically repaired, Churchill may contribute up to £250 towards replacing it, rather than paying the full replacement cost.
Does Churchill home insurance cover belongings away from home?
Churchill can cover belongings taken outside your home through its personal possessions cover. This is included with Home Plus and available as an optional extra with Home Essentials and Home Insurance.
Home Essentials provides cover within the UK, while the higher tiers can cover belongings worldwide for up to 60 days. Single-item limits also vary, reaching £4,000 with Home Plus.
Does Churchill home insurance cover gardens and outbuildings?
Churchill buildings insurance can cover domestic outbuildings and permanent outdoor structures within your property’s boundary.
Cover for belongings kept in outbuildings depends on your tier. Home Insurance provides up to £2,500 for theft from outbuildings, rising to £5,000 with Home Plus. Garden plants are covered up to £1,000 with Home Insurance and £2,500 with Home Plus, but these benefits are not included with Home Essentials.
What is the Churchill home insurance excess?
Your Churchill home insurance excess depends on the policy, type of claim and options selected when you take out cover. It can include:
A compulsory or standard property excess
Any voluntary excess you choose to add
A higher excess for escape-of-water claims
A separate subsidence excess
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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.
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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.
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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.
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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 23 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).
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[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
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[3]
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 Churchill may have different ratings. Data from the Defaqto website. Data from June 2026.
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[4]
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 Churchill may have different ratings. Data from the Defaqto website. Data from June 2026.
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[5]
Defaqto is a leading independent reviewer of financial products. Two stars is for 'A product offering fewer than average features and benefits'.
Individual insurance products from Churchill may have different ratings. Data from the Defaqto website. Data from June 2026.
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[6]
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
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[7]
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
