Comparing home insurance isn’t just about getting the cheapest deal—it’s about making sure you’ve got the right cover at a fair price.
With so many providers and policy options out there, knowing what to look for can save you money while delivering the cover you’re looking for.
This guide breaks down the process, from understanding the types of cover to spotting key details in the fine print.
1. The two main types of home insurance
Before diving into comparisons, you need to know the basics.
In the UK, home insurance is split into two main types:
- Buildings insurance: Covers the structure of your home—walls, roof, floors, and fixtures like kitchens and bathrooms. If you’ve got a mortgage, your lender will insist on this.
- Contents insurance: Covers your belongings—furniture, electronics, appliances, and personal items against theft, fire, or damage.
Most insurers offer a combined policy covering both, which can be more convenient and usually cheaper.
2. Where to compare home insurance
Comparison websites make it easy to weigh up your options.
Some of the top sites include:
- MoneySuperMarket
- Compare the Market
- GoCompare
- Confused.com
- Direct Line and Aviva (These aren’t on comparison sites, so check their websites separately.)
Comparison sites let you filter by coverage level, excess amounts, and extras like accidental damage or home emergency cover.
While it takes time, I recommend using at least 2 different sites or all of them if you can to give you a fuller picture of what’s out there.
That’s exactly the same advice I give for car insurance too.
3. Key Features to compare
Price matters, but it’s not the only thing.
Here’s what else to check:
Level of cover
Getting the right level of cover is key. Balance the cost of the policy with adequately covering what you have.
- Buildings insurance should cover the full rebuild cost of your home.
- Contents insurance should be enough to replace all your belongings.
- Look for “new for old” policies, which replace damaged items with new ones rather than paying out based on current value.
Excess amount
There are two types of excess, voluntary and compulsory.
- Voluntary excess: The amount you agree to pay if you make a claim. A higher excess can lower your premium but means more out-of-pocket costs if you claim.
- Compulsory excess: Set by the insurer in addition to the voluntary excess.
What’s included and excluded?
Every insurer handles inclusions and exclusions differently so check the policy carefully before you buy it.
- Does it cover accidental damage?
- Are high-value items (phones, jewellery, laptops, bikes) included, or do they need extra cover?
- Will it pay for alternative accommodation if your home is uninhabitable?
- Does it include home emergency cover for things like boiler breakdowns or plumbing issues?
d. Optional addons
Extras can increase your premium, but they might be worth it.
- Home emergency cover
- Legal expenses cover
- Accidental damage cover
- Cover for valuables taken outside the home
Only you can decide whether you need this cover or not. If you do, it’s usually worth paying the extra.
4. Check the insurer’s reputation
A cheap policy isn’t much good if the insurer makes claiming a nightmare.
Before choosing a provider:
- Read reviews on Trustpilot, Defaqto, and Feefo.
- Check their claims settlement record.
- Look for at least a 4-star Defaqto rating.
5. Ways to save on home insurance
Want to lower your premium?
- Bundle policies: Combining home and car insurance with the same provider can get you a discount.
- Improve security: Burglar alarms, smoke detectors, and smart locks can cut costs.
- Pay annually: Monthly payments often come with interest, so paying upfront can be cheaper.
- Build a no-claims discount: No claims for a few years? You might get a loyalty discount.
6. Don’t just auto-renew—shop around!
Loyalty doesn’t always pay as most insurers hike renewal prices each year.
Check quotes 3–4 weeks before your policy ends to see if switching saves you money.
7. Final tips for comparing home insurance
- Be honest when applying: Lying about security measures or property details can void your policy.
- Check for hidden fees: Some policies charge admin fees for mid-term changes.
- Avoid underinsuring: Underestimating your home’s value could leave you short when you claim.
- Use cashback websites: TopCashback and Quidco sometimes offer cashback on insurance purchases.
Comparing home insurance
Getting the best home insurance deal isn’t just about price.
You need the right cover, a reasonable excess, and a provider that won’t give you grief when you claim.
Use comparison websites, read reviews, and don’t be afraid to switch if you find a better deal.
With a little effort, you can save money while making sure your home and belongings are properly protected.
