Monzo Home Insurance
Monzo current account required and must be open for the whole insured period. UK residents aged 18+. Ts&Cs apply
Why choose Monzo Home Insurance?
Buildings insurance covers the structure of your home and its permanent fixtures.
That includes the bricks and roof, ceilings and floors, fitted kitchens and bathrooms, windows and doors, as well as garages, fences and sheds.
If your home is damaged by events such as fire, storms, flooding or escape of water, your policy can help cover the cost of repairs or rebuilding.
Cover depends on your insurer and policy terms, so always check what is included and any exclusions that apply.
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What add-ons can I get with Monzo?
Here are some add-ons that you can add to your Monzo Home Insurance policy:
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Accidental damage cover
Covers accidental damage to your home or belongings, such as a knocked-over TV.
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High-value items cover
For items worth over £1,000, including jewellery, watches, bikes and gadgets.
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Home emergency cover
24/7 assistance for emergencies such as burst pipes, blocked toilets or loss of heating.
What is Monzo Home Insurance?
Monzo Home Insurance combines buildings and contents cover into one policy that you can manage in the Monzo app.
Buildings cover is available up to £1,000,000 and contents cover up to £100,000. You must be a UK resident aged 18 or over and have a Monzo current account. Terms, conditions and exclusions apply.
Monzo Home Insurance is underwritten by Chubb.
What types of insurance can I get with Monzo?
Monzo offers a combined buildings and contents insurance policy for homeowners.
Buildings cover protects your home against events such as:
Fire
Flood
Storm
Subsidence
Natural disasters
Cover is available up to £1,000,000.
Contents cover protects belongings inside your home including:
Personal belongings cover in the British Isles up to £1,000 (subject to limits)
Cover while moving home up to £10,000
Cover available up to £100,000.
Do I need a Monzo current account to have Monzo Home Insurance?
Yes. You need an open Monzo current account to take out Monzo Home Insurance, and you must keep your account open for the entire time your policy is active.
Who is Chubb?
Chubb is the insurer that underwrites Monzo Home Insurance. This means Chubb provides the cover, sets the pricing and is responsible for handling and paying claims.
How does MoneySuperMarket make money?
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 up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 2 Apr 2026 by
