Home Insurance

Over half of our customers pay £150 a year or less for their home and contents insurance*

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Compare Home Insurance Quotes

  • pay less than £150 for home insuranceYou could pay £150 or less*
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How does coronavirus affect your home insurance policy? Click here to find out.

Why compare home insurance with Money Expert?

Home insurance can be a lifesaver, but it’s important to shop around to make sure you’re getting the right cover.

It takes just a few minutes

Enter a few details about yourself and your home, and you will get a comprehensive list of home insurance quotes in under 10 minutes.

We are impartial

With no ties to any single insurance provider, we will provide you with a list of home insurance quotes from a host of trusted insurers.

You can save money

Comparing home insurance quotes with Money Expert is the quick, easy and a sure method of lowering your premiums.

How to Get Cheap Home Insurance

Home insurance costs money, but it can save you hundreds if not thousands of pounds if you end up having to make a claim. There are also plenty of things you can do to keep your premiums low, including:

  1. Improve Your Security

    Invest in high-security locks and install a burglar alarm.
  2. Increase Your Excess

    Paying a higher voluntary excess will usually result in cheaper premiums, but you must make sure you can afford to pay your excess if you need to make a claim.
  3. Pay Annually

    You will avoid most interest charges and admin fees by opting to pay for the whole year rather than monthly.
  4. No Claims Discounts

    The more years you go without claiming your home insurance, the cheaper your premiums will become. Only make a claim if you really need to.
  5. Combine Your Policies

    If you get both your buildings insurance and contents insurance from the same provider, you will usually be rewarded with cheaper premiums.willing
  6. Shop Around

    One of the easiest and quickest ways to lower your premiums is to compare home insurance quotes with Money Expert.
Start a free quote

We'll show you quotes from a hand-picked list of over 50 different providers, including:

Axa Home Insurance
Endsleigh Home Insurance
Hastings Direct Home Insurance
Policy Expert Home Insurance

What do We Need to Get You Home Insurance Quotes?

All you need to do is provide a few details about yourself and your home and choose what level of cover you need. Some of the information you will need to give us includes:

home insurance details

Details About Your Home

This includes address, property type, number of rooms, age of building, roof type, date you moved in, who lives at the property

cost of rebuild

Rebuild Value of Your Home

We can estimate the rebuild value of your home using your postcode, or you can use a chartered surveyor to get your own value

home contents insurance

Contents Estimate

This is simply an estimation of the value of the contents and valuables in your home

home security

Property Security

The types of locks you have fitted on your doors and windows, and any alarm you have fitted

home insurance claims history

Previous Claims History

You can find these in your home insurance renewal documents, or alternatively you can contact your previous home insurance provider

additional cover for jewellery

Additional Cover

Any extras or add-ons you would like to include in your policy

Once you have provided us with these details, we will show you a list of home insurance quotes from different providers that you can scroll through and choose the one that works for you.

Make sure you've got these details ready when you want to compare

Money Expert CEO Jason Smith, on Home Insurance

There is nothing worse than having your home broken into, but why add to that stress if you haven’t taken out home contents insurance? Contents insurance can cost as little as £8 a month, so the younger generation should be able to shop around to find something that fits the budget.

Get Additional Cover for Your Home

Accidental Damage Cover

One of the most common add-ons, accidental damage cover protects you against any damage caused to your property or possessions due to an unexpected accident. Any damage caused by children is typically covered, although most policies won’t cover any damage caused by your pets. You can usually add accidental damage cover to both contents and buildings insurance policies.

Alternative Accommodation

If your home is severely damaged by flood or fire and is uninhabitable, you will need somewhere to stay while it’s being repaired. If you add alternative accommodation cover to your home insurance, then the costs of staying in a hotel or B&B while your home is on the mend will be covered.

Bicycle Cover

If you own a bicycle, you’re probably already aware that it’s attractive to thieves. A good bicycle doesn’t come cheap, so it’s a good idea to add bicycle cover to your home insurance to cover the costs of replacing your bike if it’s damaged, lost or stolen. However, most policies will only cover your bicycle while it’s securely locked in your home or a garage. To protect it while you’re out and about, you may need to add personal possessions cover too.

Home Emergency Cover

This add-on will cover the costs of any emergency repairs you need to make, such as a broken boiler, faulty electrics or a burst pipe. Home emergency cover will typically cover the cost of hiring a handyman, who is usually approved by your insurer, and any tools they might need to make the repairs. Check with your insurer to see if it’s included in your policy or you need to buy it as an add-on.

Personal Possessions Cover

As standard, home contents insurance will cover your any damage or loss of your belongings while they’re inside your home. But most insurance providers will also allow to extend this protection to when you’re out and about, by including personal possessions cover. It will usually protect you against the damage, loss or theft of items such as mobile phones, jewellery and keys.

Protected No-Claims Bonus

The longer you go without claiming your home insurance, the more you’ll be rewarded through your no-claims bonus. However, if you need to make a claim, you’ll lose your no-claims bonus and will have to pay more gain to stay protected. But most insurers will let you safeguard your no-claims bonus by paying a bit more each month, in which case you won’t lose it after making a claim.

Legal Protection

If somebody is injured or falls ill on your property, they could end up suing you. Add legal protection to your home insurance policy to cover the costs of any legal fees, or for making a claim against someone else. It will also usually cover you for any legal expenses involved in disputes with neighbours, for example over planning permission.

Home Insurance FAQs

Unlike car insurance, home insurance in the UK is not mandatory. However, it’s recommended that everyone should get both contents and buildings insurance to protect their home and belongings should the unexpected happen. Without home insurance you will have to pay for any repairs or replace any valuables yourself. Also, many mortgage providers will require you to have home insurance until the end of your term at least.

Many factors go into determining how much you pay for your home insurance. Your insurer will take into account the size of your home, the property’s rebuild value, the value of your contents and the area you live in. The level of cover you require will also affect your premiums, as will any extras you include in your policy. You will also be rewarded with cheaper home insurance the longer you go without making a claim.

Buildings insurance will protect you against the costs of repairing your home after a fire, flood or other serious damage. Meanwhile, contents insurance will cover the costs of any damage, loss or theft your belongings inside your home. Always check with your insurer to see exactly what’s included, as it varies from policy to policy.

Your credit score will not affect the cost of your home insurance. However, it does affect how you are able to pay for your home insurance. If you want to spread the cost of your home insurance by paying in monthly instalments, your insurer will run a credit check on you to assess your ability to pay. But if you choose to pay for the whole year, then you won’t need a credit check.

Like most types of insurance policy, you will have to pay an excess to make a claim on your home insurance. There are two types of excess – compulsory and voluntary (see guide here). Your insurance provider will set your compulsory excess, but you can decide on what your voluntary excess is. Generally, the higher your voluntary excess is then the cheaper your monthly instalments will be. However, be careful as not to set your excess too high, as you need to keep it affordable to make a claim if you need to.

When it comes to making a claim on your home insurance, you may hear the term ‘single article limit’ being used. A single article limit refers to the maximum amount your insurance provider will pay out for a particular item. This will vary between providers and also the covered items themselves. Make sure you’re aware of any single article limits placed on your valuables so that you know exactly how much you’re covered for.

If you have a mortgage or own your home, then you will only be insured if you’ve bought home insurance yourself. If you’re not sure, have a look at your bank statements to see if there’s any evidence of payment, or your emails to see if there’s any correspondence with an insurance provider. If you rent your property, it’s the legal requirement of your landlord to get buildings insurance. However, it is up to you to get contents insurance to protect your belongings.

If your home is burgled, the first thing you should do is call the police and take note of the crime reference number. You must then call your home insurance provider to let them know of the situation, and provide them with any photos you have as evidence. You may also need receipts for any belongings that have been stolen, or bank statements proving the purchase. You will then need to pay the excess – both the compulsory excess and the voluntary excess that you set yourself – in order for your insurer to pay out.

If your home is damaged by fire, flooding or any other event, take photographs of the damage and call your insurer to provide them with all the details. Your insurance provider will then assess what repair work needs to be done and will either reimburse you for the repairs you make or provide you with a contractor to do the repairs themselves. Again you will need to pay the excess.

You should always assess whether it’s worth making a claim. You will have to pay the excess yourself, and you may also lose your no-claims bonus if it’s not protected, meaning your home insurance premiums could go up in the future. Take a look at this guide for a comprehensive answer

If you carry out any building work on your home, you need to tell your insurer about any changes you’re making. If you don’t let your insurance provider know of any changes structural changes to your property, then your home insurance policy could become invalidated when it comes to making a claim. Small changes, such as upgrading your bathroom, may not need to be declared, but it’s always worth checking with your insurer just to be sure.

Before you do any major work, you must provide your insurer with all the information they need. Depending on the situation, there will either be no changes to your policy, your premiums may increase slightly, or the renovation work may not be covered at all. If your insurance provider refuses to cover the work being done on your home, it may be worth getting renovation insurance, which will cover the cost of any damage to your property, theft of your contents or personal accidents during the renovation work.

Most contents insurance policies will cover the costs of any damage or loss of your belongings inside your home. However, if you want to extend that protection to when you’re outside of your property, you may need to add personal possessions cover. This provides you cover for the loss, theft or damage to items such as laptops, mobile phones and jewellery when you’re out and about. But you still need to look after your things. If your insurance provider believes you were negligent regarding your possessions, you most likely won’t receive a payout.

Typically, your garage, shed or any other outhouse on your property should be covered by both your buildings insurance and contents insurance. Garden insurance is also usually included with your contents insurance, meaning your pots, plants and other garden furniture should be protected. However, you should check with your insurance provider before taking out a policy to see exactly what’s covered, as the level of protection provided varies significantly between insurers.

Yes. Wherever you are, you should be able to find a home insurance policy to meet your needs. However, if you live in an area prone to flooding then you may have to pay more than average for your home insurance. But due to a government initiative called the Flood Re scheme, it’s now easier than it ever has been to find flood insurance at an affordable price. Either way, be sure to compare home insurance policies to find the best deal that covers you for what you need.

When applying for a home insurance policy, you may be asked about any trees in close proximity to your home. This is because trees pose a risk to the structure of your property, from either falling onto your home in high winds or through root damage. If you have any large trees within a few metres of your home, you may have to pay more for your buildings insurance, or some insurers may not even cover you at all.

*51% of consumers who obtained a quote for Home Building & Contents Insurance via Seopa in February 2020 were quoted less than £149.83.