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Levels of Cover
Do you need buildings insurance, contents, or both? A brief guide on choosing the right level of insurance for your home.
Published in Home Insurance

Additional Home Insurance Options
Something not covered by a policy? You still may be able to insure it under one of many of the available optional levels of cover
Published in Home Insurance

How to reduce your premium
There are a number of things you can do to make your home less of a risk to insurers - reduce the risk of your home and shrink the size of your premium
Published in Home Insurance

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Latest News

Home insurance rises 'have not materialised'
Increases in both car and home insurance that had been expected following last year's widespread flooding have not materialised, new research has revealed.
Published in Home Insurance

Insurance for mortgages 'not a priority for many'
Taking out protection insurance for mortgages is not a top priority for many consumers, despite its benefits, it has been claimed.
Published in Home Insurance

Mortgage insurance 'offers peace of mind'
Opting to have a fully protected mortgage can put homeowners in an ideal situation, it has been suggested.
Published in Home Insurance

Home insurance 'is a social responsibility'
Taking out home insurance should be a civic duty, an expert has said.
Published in Home Insurance

Review home insurance 'regularly'
It is important to ensure that personal belongings and items within a household are actually covered by home insurance, an expert has warned.
Published in Home Insurance

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Home Insurance

Compare Home Insurance

Get a great rate on your home insurance by comparing the top insurers below. Click "Get Quote" to find out how much you can save.

  Description Online Discount Get a Quote
logo Lloyds TSB
Lloyds TSB Insurance offer a 15% online discount when you apply online for your contents or building insurance. Apply online today for the right cover at Lloyds TSB's best prices, from a name you can trust!
15% online discount 997
 
logo The AA
Whether you're looking for buildings insurance, home contents insurance or a combined building & contents insurance policy, you could get up to 30% discount when buying online with The AA.
Up to 30% online discount 995
 
logo Direct Line
Get 12 months' cover for the price of 9 on new home insurance policies. We replace goods on a new for old basis (excluding clothes). We can arrange for vetted tradesmen to carry our repair work to your house and the work will be guaranteed for 12 months. 95% of claims are approved over the phone and only UK call centres are used.
Up to 25% online discount 994
 
logo Norwich Union
Norwich Union home insurance can provide you with half price combined Buildings & Contents cover if you currently have five or more claim free years. Benefits include a 24 hour claims line, 7 days per week and registered professional trades people to repair your home to the highest standard. Cover against accidental damage to your home PC and home entertainment equipment is standard on home contents cover.
No online discount 992
 
logo More Th>n
Buy More Than home insurance online and enjoy a huge 25% discount on your premium. You will also receive free contents insurance when you buy buildings insurance, including a massive £75,000 contents cover and £2,000 of garden cover and home emergency cover up to £200 as standard.
25% online discount 993
 
logo Tesco
Tesco have three home insurance policies, Value, Standard and Finest so you can choose from no frills to the highest level of cover. Tesco insure buildings for up to £1m (unlimited with the Finest policy), damage caused by a burst pipe and freezer contents cover. If you get a quote for Standard or Finest Tesco Home Insurance by 7th January 2009, and then buy that policy within 90 days you will recieve 50% off your premium!
50% online discount 999
 
logo Sainsbury's Bank
20% Discount for new customers when buying combined buildings or contents cover online. Includes Protection for high value items, Unlimited buildings cover - so your home's never under-insured, Up to 40% No Claims Discount (NCD) if you choose to purchase no claims discount protection, and No extra cost for paying by monthly direct debit. Plus, benefit from a 10% increase in the value of contents cover at Christmas.
Up to 20% online discount 989
 
logo Halifax
Halifax offer a 35% discount on buildings and contents insurance. You can pay for your insurance monthly at no extra cost, get up to 30% no claims discount and an additional 5% discount if you buy both buildings and contents cover together.
35% online discount 990
 
logo Churchill
Churchill guarantee to beat your home insurance renewal by £30 (terms and conditions apply). Benefit from 35% online discount for new home insurance customers and up to 25% discount on contents cover when you buy it together with buildings cover. Automatic cover up to £40,000 for your contents and £250,000 for your buildings, 24 hour claims and emergency helplines, personal possessions, accidental damage cover and legal protection are also available.
35% online discount 991
 
logo HSBC
Whatever your required level of cover, HSBC has the Home Insurance policy for you. Get a quote for a new Home Insurance policy, pay monthly and you will get three months free. Minimum premiums apply. Terms and conditions apply.
No discount 976
 
logo Marks & Spencer
Buy Marks & Spencer Home Insurance online and get 10% off your premium. Choose Premier or Standard cover and enhance with Additional cover. Enjoy unlimited cover for your home and its contents and cover your possessions anywhere in the world.
10% online discount 978
 
logo Natwest
Natwest are offering 15% first year discount (25% for Advantage Private or Gold members) plus an additional 10% discount for all customers when buying on line.
10% online discount 979
 
logo Prudential
New Prudential customers will receive up to a 20% introductory, first year discount when they apply online with up to £250 Home Emergency Assistance as standard, including call out, parts and labour, without loss of No Claims Discount.
Up to 20% online discount 982
 
logo Saga Group
Saga offers a choice of two policies: Saga Home Insurance Policy, which includes up to £500,000 buildings cover and up to £50,000 contents cover as standard, and Saga Home Insurance TailorMade policy, ideal for those that require higher levels of cover.
Up to 22% online discount 983
 
logo esure
Esure offer competitive prices for both buildings and contents cover - with a contents no claim discount up to 45% and a further discount if you take both buildings and contents cover.
No discount 985
 
logo Only Finance
With a quote from Only Finance you could save up to £300. With options for buildings and contents insurance you can choose the cover option that suits your needs.
No discount 986
 
logo Legal & General
Legal & General has a flexible Home Insurance policy and offers great benefits. You can insure your buildings, your contents, or both, in the same policy. Legal & General offer you flexible options so you only pay for the cover you need. Plus, get up to 20% no claims discount. Get an immediate quote and buy online today.
15% online discount 987
 

* Annual premium listed is for example only - premiums will vary depending on circumstances.

About Home Insurance

Home insurance is generally divided into two categories, Building Insurance, which covers any damage sustained by the structural make up of the property itself, and Home Contents Insurance, which provides cover for most main household items. It is typically a requirement to apply for Building Insurance if your property is being used as collateral for a mortgage or personal loan.

Contents Insurance provides cover for the majority of household items such as white goods (fridges, freezers, washing machines etc) and desirable electronic goods such as widescreen TVs, DVD players, audio equipment and sound systems as well as computer equipment. Recently, insurers have extended contents insurance policies to cover less traditional items such as musical instruments and amplifiers, and any audio files that have been lost, so music that you have paid for online can be retrieved under the right Contents Insurance plan. Some insurers offer Home Contents insurance plans targeted at specific groups such as students living in rented accommodation, as the Building Insurance should be covered by the owner of the property.

With both types of Home Insurance, cover is usually provided against damage caused in the event of a fire, damage caused by adverse weather, including lightning, strong winds and flooding, leaking water pipes, landslips, theft and vandalism. Most insurers will offer customers the opportunity to combine both Buildings and Contents insurance under a single all-encompassing plan, which usually allows customers to qualify for a discount off of the combined price.