Home emergency
Covers emergency callouts and services from tradespeople, like plumbers, electricians.
Monzo home insurance
Compare Monzo home insurance quotes.
Complete a purchase and earn a £15 reward with super save club logo
How good is Monzo home insurance?
Monzo launched its home insurance in 2025, expanding beyond its app-based banking services. It scores 4.6 out of 5 on Trustpilot from around 70,000 reviews, although these cover Monzo’s wider services rather than home insurance alone.
Homeowners can get combined buildings and contents insurance, while standalone contents cover is also available. You’ll need an open Monzo current account throughout the policy - Monzo doesn’t currently advertise a discount for holding its other products.
Monzo’s policies are underwritten by Chubb. FCA data shows Chubb accepted 95-100%[2] of combined home insurance claims in 2024, although separate figures for buildings and contents claims weren’t published in the data.
Is Monzo home insurance highly rated?
Monzo's combined home insurance policy received a four-star Defaqto rating for its buildings cover's features and benefits, and a two-star rating for its contents cover, while their standalone contents insurance policy receives one star. Defaqto is a leading independent reviewer of financial products.
Does Monzo offer contents insurance?
Yes, Monzo offers contents insurance as a standalone policy or alongside buildings insurance. You can choose a contents limit that reflects the value of your belongings, with cover for events such as theft, fire, leaks and extreme weather.
You can also tailor your policy with optional accidental damage, home emergency and high-value item cover. Items such as jewellery, watches, bikes and gadgets worth more than £1,000 must be listed separately, with individual items covered for up to £10,000.
What will a Monzo home insurance policy cover me for?
All Monzo contents and buildings home insurance policies include some cover for damage and loss caused by the following events:
-
Subsidence
Ground movement causing structural damage
-
Fire
Fire, smoke, lightning and explosion damage
-
Theft and attempted theft
Stolen items and break-in damage
-
Storms and floods
Wind, rain, snow and flood damage
-
Locks and keys
Replacement locks for lost or stolen keys
-
Vandalism and malicious acts
Deliberate damage to your home or belongings
-
Moving home
Damage or theft caused while moving home
-
Liability cover
If you are responsible for a third party injury or property damage
What extras can I add to my home Monzo insurance?
-
-
Accidental damage
Protects your home from accidental mishaps, like broken windows, cracked tiles, or stained carpet.
What is included in Monzo home insurance?
Monzo offers buildings and contents cover that you can tailor by choosing your cover limits and adding extra protection where needed. Buildings insurance covers up to £1 million, while contents cover is available up to £100,000.
Standard cover protects your home and belongings against events such as fire, flooding, storms, theft, subsidence and escape of water. Depending on the policy you choose, it can also cover belongings while moving home and provide limited protection for personal possessions within the British Isles.
Rather than upgrading to a higher tier, you can pay to add accidental damage, home emergency assistance and cover for high-value belongings. This makes the policy flexible, although adding several extras could increase the price considerably.
Are Monzo’s home insurance add-ons worth it?
Monzo’s optional extras may be worth considering when they cover risks that aren’t included in the standard policy. Accidental damage could be useful for households with children or pets, for example, as it covers unexpected incidents such as a broken television or damaged window.
Home emergency cover may also provide useful reassurance if you would struggle to meet the cost of an urgent problem, such as a failed boiler or burst pipe. High-value item cover could be important when you own jewellery, technology or bicycles that exceed the policy’s standard limits.
However, you shouldn’t add every option automatically - it's best to compare the additional premium with the likely cost of replacing an item or arranging emergency repairs yourself, and check whether similar protection is already provided through a bank account, warranty or another insurance policy.
Is Monzo 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 Monzo home insurance to help you make your decision:
-
Pros of Monzo home insurance
Chubb accepted 95-100%[2] of combined buildings and contents claims in 2024
Buildings cover is available up to £1 million, while customers can choose up to £100,000 of contents protection and add individual high-value belongings
The policy includes up to £1,000 of cover for belongings taken outside the home and £10,000 for possessions damaged, lost or stolen while moving home
Claims can be started through the Monzo app at any time, although customers who prefer speaking to someone can also make a claim over the phone
Customers can alter their contents limit, add high-value items, increase their excess or cancel their cover without paying an administration fee
-
Cons of Monzo home insurance
Customers must open a Monzo current account and keep it active for the entire time they hold the insurance policy
Wider accidental damage cover for incidents such as a damaged television or stained carpet isn’t included as standard
Although 24-hour help is available for problems such as burst pipes or lost heating, customers must pay extra to include home emergency cover
The policy provides up to £1,000 for belongings outside the home within the British Isles, and cash isn’t covered
Cover is capped at £100,000, which could be restrictive for homes containing particularly expensive furniture, technology, jewellery or collections
How does Monzo 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.
Monzo | Intelligent Insurance | Esure | Saga Select | |
|---|---|---|---|---|
Defaqto Rating | ⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ |
Which? claims rating[6] | N/A | N/A | N/A | 51%[7] |
Claims payout rate[2] | 95-100%[2] | N/A | 55-60%[2] | 75-80%[2] |
Single item limit | £1,000 | £2,000 | £1,499 | £2,500 |
Office equipment covered? | No | Yes | Yes | Yes |
Administration fees | No fees to change or cancel your policy | £30 to change policy £60 to cancel | £20 to change policy £58 to cancel | No fee to change policy £35 to cancel |
Further information |
How do I contact Monzo?
-
In-app chat
You can use the Monzo app to:
Make changes to your policy
View policy documents
Change payment details
-
By phone
The customer service number is: 0800 088 4040 - it's open every day from 7am to 8pm for non-urgent enquiries, and open 24/7 for urgent enquiries.
-
Email
Finally, you can contact the Monzo customer service team by email at help@monzo.com.
How do I make a home insurance claim with Monzo?
If you need to make a claim on your Monzo home insurance policy, contact Monzo 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.
Monzo claims line:
0345 2661980
You can reach Monzo's claim handler Sedgwick 24 hours a day, 7 days a week for new claims, or to discuss existing claims from Monday to Friday, 8am-6pm.
You can also start a claim in the Monzo app.
How do I cancel my Monzo home insurance?
🚩 You will not get any money refunded if you have already made a claim on your home insurance
You can cancel your Monzo home insurance online via the app.
I'm coming up for renewal
You can tell Monzo 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 Monzo 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.
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.
Monzo do not charge any cancellation fees.
My policy has auto-renewed
If you cancel your Monzo 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.
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.
Monzo won't charge a cancellation fee.
What other products does Monzo sell?
Alongside home insurance, Monzo offers a number of other insurance and money products:
Who underwrites Monzo Insurance?
Monzo home insurance is underwritten by Chubb European Group SE. Chubb provides the insurance and manages, approves and pays accepted claims, while Monzo distributes the policy and handles payments, policy changes and cancellations.
Can I pay Monzo home insurance in monthly instalments?
Yes, in fact monthly instalments are the only payment option. Monzo doesn’t charge interest for paying monthly, so spreading the cost won’t increase the total premium. Payments are taken automatically from your Monzo current account, joint account or a selected Monzo Pot.
Does Monzo home insurance cover subsidence?
Yes, Monzo covers damage caused by subsidence, heave and landslip. However, damage to features such as patios, driveways, garden walls and fences is only covered when the main home is damaged by the same incident, while properties with a previous history of subsidence, heave or landslip aren’t eligible for a policy.
Does Monzo home insurance cover home emergency and boiler breakdowns?
Home emergency cover is available as an optional extra, rather than being included as standard. It covers incidents including the complete breakdown of your main heating system, sudden plumbing problems, damaged external locks and failures of your home’s gas or electricity supply.
Boilers and heating systems more than 15 years old aren’t covered, and the policy won’t pay for routine maintenance, wear and tear or problems covered by a manufacturer’s warranty. The maximum amount available is shown in your policy schedule.
Does Monzo home insurance cover belongings away from home?
Yes, standard out-of-home cover provides up to £1,000 per policy year for belongings damaged or stolen within the British Isles. Items worth between £1,000 and £10,000 can be listed separately and covered away from home for their full value, although an excess and security conditions apply.
Does Monzo home insurance cover gardens and outbuildings?
Associated garages and outbuildings form part of the insured home, alongside features such as walls, fences, patios and driveways. Contents kept outside, including garden furniture, plants and barbecues, are covered against specified events such as fire, theft and vandalism.
However, contents left outside aren’t covered against storm or flood damage, while bicycles and listed high-value items are excluded from this part of the policy. Other restrictions apply to garden structures, particularly for storm, flood and subsidence claims.
What is the Monzo home insurance excess?
Monzo doesn’t have one fixed excess for every customer or claim. Your policy schedule shows the amount you must contribute, with different excesses potentially applying to claims involving leaks, subsidence and other insured events.
Some sections may have no excess, including certain fridge and freezer food claims. Where Monzo pays a cash settlement, the excess is deducted from the payment, while repairs arranged on your behalf may require you to pay the supplier directly.
How does MoneySuperMarket create and review the content on its website?
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.
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 £15
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 16 Sep 2026 by
Sources and supporting information
-
[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. Four stars is for 'A product with a good level of features and benefits'.
Individual insurance products from Monzo may have different ratings. Data from the Defaqto website. Data from June 2026.
-
[4]
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 Monzo may have different ratings. Data from the Defaqto website. Data from June 2026.
-
[5]
Defaqto is a leading independent reviewer of financial products. One star is for 'A basic product offering only a few features and benefits'.
Individual insurance products from Admiral may have different ratings. Data from the Defaqto website. Data from June 2026.
-
[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
