Home emergency cover
Covers emergency callouts and services from tradespeople, like plumbers, electricians.
Tesco home insurance
Compare Tesco home insurance quotes.
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How good is Tesco home insurance?
Tesco Insurance scores 4.4 out of 5 on Trustpilot from around 26,000 reviews and is a Which? Recommended Provider for home insurance, although the Trustpilot score covers its wider insurance range.
It offers buildings, contents and combined cover, with contents limits of £50,000, £75,000 or £100,000, and several optional extras. Clubcard members receive a discount, including 5% automatically applied at renewal.
Tesco Underwriting accepted 65-70%[2] of buildings-only claims and 90-95%[2] of contents-only claims in 2024. These are underwriter-wide figures from the Financial Conduct Authority (FCA), rather than Tesco-branded policy results alone.
Does Tesco offer contents insurance?
Yes, Tesco offers standalone contents insurance and combined buildings and contents cover. There aren’t named cover tiers - instead, customers can choose a contents limit of £50,000, £75,000 or £100,000, depending on the value of their belongings.
Standard cover includes valuable items kept at home, accidental damage to televisions, tablets and laptops, up to £10,000 for home office equipment and protection for garden belongings. You can add extended accidental damage, personal possessions, bicycle cover and Family Legal Guard for an additional premium.
What will a Tesco home insurance policy cover me for?
All Tesco 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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Subsidence
Ground movement causing structural 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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Storms and floods
Wind, rain, snow and flood damage
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Trace and Access
Finding the cause of escaped water and fixing resulting damage
What extras can I add to my Tesco's home insurance?
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Legal protection
Covers legal costs for issues like conveyancing, probate, and disputes with neighbours.
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.
What is included in Tesco home insurance?
Tesco offers buildings, contents or combined cover rather than named tiers, with protection against risks such as fire, flood, storm damage, theft and subsidence. Policies also include alternative accommodation if your home becomes uninhabitable after an insured event.
Buildings insurance covers the structure, fixtures and fittings, while contents insurance protects belongings inside your home. Some policies include limited accidental damage for specific items, such as fixed glass or sanitary ware, depending on the level of cover you take out.
You can customise your policy with add-ons such as extended accidental damage, personal possessions cover, bicycle cover, Home Emergency Cover and Family Legal Guard. These extras can extend protection to mishaps at home, belongings taken outside, emergency repairs and legal expenses.
Are Tesco home insurance add-ons worth it?
Tesco’s add-ons may be worthwhile for certain circumstances. Extended accidental damage may suit homes with children or pets, while personal possessions and bicycle cover can be useful if you regularly carry expensive items or cycle away from home.
Home Emergency offers useful reassurance if you're worried about urgent plumbing, electrical or heating problems. However, it doesn’t cover general maintenance, wear and tear, pre-existing faults or breakdowns of appliances such as washing machines and fridges.
You should avoid adding every optional extra automatically - bicycles are already covered within the home under contents insurance, for example, so the separate add-on is mainly for protection while you’re out. Compare each extra’s cost, excess and limits with any protection provided by warranties, packaged bank accounts or other policies before buying.
Is Tesco 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 Tesco home insurance to help you make your decision:
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Pros of Tesco home insurance
Tesco is a Which? Recommended Provider, with a claims score of 76%[4] - second among the 24 brands rated
Tesco Underwriting accepted 85-90%[2] of contents-only claims in 2024
Clubcard members can receive a discounted quote, while a 5% Clubcard discount is automatically applied at renewal
Tesco was one of a minority of policies assessed by Which? that covered both rapid and gradual groundwater flooding under buildings and contents insurance
Limited accidental damage is included as standard for features such as ceramic or glass surfaces and home entertainment equipment, with wider protection available as an add-on
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Cons of Tesco home insurance
Tesco’s policy cover was broadly mid-table, receiving 71%[4] for buildings and 70%[4] for contents from Which?
Its FCA claims figures varied significantly by policy type - Tesco Underwriting accepted 85-90%[2] of contents claims, but only 60-65%[2] of buildings-only claims
Damage caused by domestic pets isn’t covered under the standard contents policy, even though some other forms of accidental damage are included
Storm damage to fences, gates, hedges and fixed outdoor items such as hot tubs is excluded
Personal possessions cover is optional, and there is a £2,000 single-item limit for belongings protected away from home
How does Tesco 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.
Tesco Standard | Hastings Direct | John Lewis Silver | Policy Expert Silver | |
|---|---|---|---|---|
Price | TBD | TBD | TBD | TBD |
Defaqto Rating | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐⭐ | ⭐⭐⭐⭐ |
Which? claims rating[5] | 76%[4] | 53%[4] | N/A | N/A |
Claims payout rate[2] | 75-80%[2] | 65-70%[2] | N/A | 60-65%[2] |
Single item limit | £2,000 | £1,500 | £3,000 | £2,000 |
Office equipment covered? | Yes | Yes | Yes | Yes |
Administration fees | £25 to change policy £35 to cancel | £20 for certain changes, others are free £35 to cancel | Unspecified fees for changing or cancelling your policy | £20 to change online, £25 to change by phone. £15 to cancel within 14-day cooling off period, £35 to cancel after this |
Further information |
How do I contact Tesco?
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Online Portal
You can use the online portal to:
Make changes to your policy
View policy documents
Change payment details
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Phone
The customer service number is: 0345 246 2904 or0113 209 3099 from abroad
Opening hours: Mon-Fri: 8am-8pm, Sat and Sun: 9am-2pm
How do I make a home insurance claim with Tesco?
If you need to make a claim on your Tesco home insurance policy, contact Tesco 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.
Tesco claims line:
0345 677 7222
Lines are open Monday to Friday 8am-8pm, Saturday and Sunday 9am-5pm.
How do I cancel my Tesco home insurance?
🚩 You will not get any money refunded if you have already made a claim on your home insurance
You can cancel your Tesco home insurance online or you can call them.
The number is 0345 246 2904
I'm coming up for renewal
You can tell Tesco 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 Tesco 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.
Tesco will charge you a £25 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.
Tesco will charge you a £35 admin fee, which will be taken out of your refund.
My policy has auto-renewed
If you cancel your Tesco 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.
Tesco will charge you a £25 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.
Tesco will charge you a £35 admin fee, which will be taken out of your refund.
What other insurance does Tesco sell?
Alongside home insurance, Tesco offers a number of other insurance and money products:
Who underwrites Tesco home insurance?
Tesco home insurance is arranged and administered by Tesco Insurance and underwritten by Tesco Underwriting Limited. Home Emergency Cover is underwritten separately by Inter Partner Assistance S.A.
Can I pay Tesco home insurance in monthly instalments?
Yes, Tesco allows customers to pay through monthly Direct Debit instalments under a credit agreement, or pay for the policy annually. Customers paying monthly should check the total amount repayable in their quote, rather than comparing the instalment amount alone.
Cancelling the Direct Debit doesn’t cancel the insurance, and if you make a claim, the full annual premium remains due even if you later end the policy.
Does Tesco home insurance cover subsidence?
Yes, Tesco buildings insurance covers subsidence or heave beneath the property, as well as landslip. Contents insurance can also cover belongings damaged by these events.
Exclusions include normal settlement, coastal erosion, faulty design or workmanship and damage arising from demolition or structural alterations. Some outdoor structures are only covered when the main home is damaged at the same time.
Does Tesco home insurance cover home emergencies and boiler breakdowns?
Home Emergency Cover is an optional extra for homeowners, with Essentials and Full levels available. Both include 24-hour assistance for plumbing, drainage, electrical and security emergencies, while Full cover adds heating breakdowns and pest infestations.
Both levels provide up to £1,000 per callout, unlimited callouts and no excess. Boiler cover is intended for complete breakdowns rather than maintenance or minor faults, and restrictions apply according to the boiler’s age, condition and type.
Does Tesco home insurance cover belongings away from home?
Belongings away from home aren’t included automatically, but you can add Personal Possessions Cover. It protects items including jewellery, laptops, phones, money and portable home-office equipment against theft, accidental loss and damage anywhere in the UK.
It also provides cover abroad for up to 60 days in total during each policy year. Higher-value items and bicycles may need to be listed separately under specified-item or bicycle cover.
Does Tesco home insurance cover gardens and outbuildings?
Yes, buildings insurance covers the home, garages and domestic outbuildings, while contents insurance protects belongings kept in the house, garage, shed and garden. Tesco provides unlimited buildings cover for eligible repairs or rebuilding, including insured outbuildings.
Contents left outside within the property boundary can be covered, although money and valuables are excluded from this section. Storm or flood damage to gates, hedges and fences isn’t covered, and individual limits or security conditions may apply to belongings kept in sheds or garages.
What is the Tesco home insurance excess?
Tesco doesn’t apply one universal amount. Your Policy Schedule lists the excess for each claim type, which can include:
A compulsory buildings or contents excess
Any voluntary excess you chose
Higher excesses for claims such as escape of water or subsidence
Separate excesses for optional personal possessions, bicycle or specified-item cover
The compulsory and voluntary amounts are added together. If you claim under both buildings and contents for the same incident, Tesco deducts all applicable excesses under both sections, while Home Emergency Cover has no 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.
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.
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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
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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 Tesco may have different ratings. Data from the Defaqto website. Data from June 2026.
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[4]
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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[5]
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
