Why choose Tesco home insurance?
Tesco Home Insurance is arranged and managed by Tesco Insurance, which first got into the personal finance space in 1997. As well as groceries, the household name offers a range of insurance and money services products, including home insurance. Customers get £50,000, £75,000 or £100,000 of new-for-old contents cover and unlimited buildings cover as standard. Members of the Tesco Clubcard loyalty scheme get a guaranteed discount and all home insurance customers have access to a helpline seven days a week.
What types of home insurance cover can I get with Tesco Insurance?
Tesco Insurance offers buildings and contents insurance, which can also be combined, and usually makes it cheaper. Buildings insurance – this policy covers the repair costs for damage to a home's structure and fittings. Contents insurance - protects the belongings inside your home from theft, vandalism, fire and water damage
Tesco Insurance Building and contents | Tesco Insurance Buildings | Contents | |
|---|---|---|---|
Unlimited buildings cover | |||
Contents cover | Up to £100,000 | Up to £100,000 | |
Alternative accommodation | Up to £50,000 | Up to £50,000 | Up to £15,000 |
Helpline | |||
Home emergency cover | optional | optional | |
Family legal protection | optional | optional | optional |
Bicycle cover | optional | optional | optional |
Contents cover away from home | optional | optional |
Example home insurance quote from Tesco Insurance
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.
Can I cancel my Tesco Insurance and switch providers?
Yes. Home insurance policies usually run for 12 months and are paid for annually or monthly, but you can cancel at any time. However, you may have to pay a fee. If you want to cancel before your insurance auto-renews to switch providers, you can end the renewal by calling Tesco on 0345 246 2904
Fees will be charged to cancel your policy as per Tesco's terms and conditions
What add-ons can I get with Tesco Insurance?
Tesco Insurance offers home insurance (buildings and contents), buildings, and contents insurance. Its policies offer the following add ons and cover extensions, which may incur an additional cost
-
Accidental damage cover
For unexpected accidents in your home
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Contents cover
Away from home for items you wear or carry
-
Bicycle cover
For in and outside of the home
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Home emergency cover
24-hour cover for a range of situations
-
Family legal guard
Access to a legal helpline and legal expenses cover
How do I contact Tesco Insurance
You can contact Tesco Insurance Home Insurance customer service by phone on 0345 246 2904. New customers can call on 0345 366 8632, and for renewals it’s 0345 671 5688
Who underwrites Tesco home insurance?
Tesco home insurance is underwritten by Tesco Underwriting (TU)
Can I pay Tesco Insurance in monthly instalments?
You can pay your premium in instalments, 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 Tesco Insurance cover subsidence?
Subsidence is covered by Tesco home insurance.
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Reviewed on 10 Dec 2025