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Free £250 home excess cover, excluding claims for accidental loss or damage More
info


HOME INSURANCE

Compare cheap home insurance quotes

We’ll refund up to £250 of your excess if you make a claim. Excludes accidental
loss or damage claims^
Compare quotes

4.8 out of 5 on Trustpilot[2]

^UK residents and home insurance purchases only. Excess refunded after claim
settled. Excludes accidental loss or damage claims made on your home insurance.
Full T&Cs apply.



4.8 out of 5 on Trustpilot[2]

^UK residents and home insurance purchases only. Excess refunded after claim
settled. Excludes accidental loss or damage claims made on your home insurance.
Full T&Cs apply.




COMPARE HOME INSURANCE QUOTES WITH US


ONE FORM, A FEW MINUTES

Get lots of home insurance quotes to choose from with a single, simple search


£250 FREE EXCESS COVER

We refund your excess when you make a claim with your insurer.^


WE'RE IMPARTIAL

Only ever the right insurance for you


WHAT'S HOME INSURANCE?

Home insurance compensates you for things like fire damage to your home, or
theft of your belongings. It'll pay out to replace your property or repair your
house if something unforeseen happens.

Home insurance comes in two parts, buildings insurance and contents insurance,
which can be bought separately or together on a single policy.

If it’s something you’d take with you if you moved house, it’s classed as
contents. If it would stay behind, it’s probably buildings.


HOW MUCH DOES HOME INSURANCE COST?

The average price paid by our customers for a combined home insurance policy is
just under £175 a year.[3]

The average price paid for buildings-only or contents-only cover is cheaper than
a combined policy, but you won't get the same level of cover.

Your own quotes will depend on how likely the insurer thinks you are to make a
claim, the value of your building or contents and the level of cover you choose.

Insurers use a whole host of factors to price your insurance - home security,
risk of flooding and subsidence could all increase or decrease the cost.


WHAT’S COVERED BY HOME INSURANCE?

It depends on whether you take out buildings insurance, contents insurance or
both.


BUILDINGS INSURANCE

Buildings insurance protects the structure of your home and its permanent
fixtures and fittings - things like fitted kitchens, flooring and bathroom
suites.

You can expect to be covered if things go wrong with your roof, walls or
ceilings. But not as a result of shoddy workmanship or dodgy DIY.

To get the right amount of cover, you’ll need to work out the rebuild cost of
your home. When you get a quotes with us, we’ll help you calculate it.

Each insurer will cover risks to your home in slightly different ways, so check
you’ve got the cover you need on the policy you choose. Look at how your home
insurer treats fire damage, theft and flooding.

Some policies also include personal liability insurance, which covers the cost
of claims that someone else makes against you for injury or damage while
visiting your home.

Leasehold flat owners don’t need buildings insurance as it’s the responsibility
of the freeholder for the building.

Renters don’t need it either - it’s your landlord’s responsibility.


CONTENTS INSURANCE

Contents insurance covers your personal possessions and valuables. It’s up to
you whether you insure your possessions, but if you couldn’t afford to replace
them, it’s worth it.

You’ll need to work out the value of items you own. Our contents calculator can
help you add them up.

If you own something that’s worth more than £1,000, such as your laptop or
jewellery, you’ll need to list it separately on your policy.

Most insurers will also ask you to list bicycles separately too, although some
will cover lower-value bicycles in the same way that they cover other
possessions in your home.


COMBINED INSURANCE

If you need buildings and contents cover, then taking out one policy for both
with the same provider can be cheaper.

It can make things simpler if you need to make a claim too. If there’s a fire
it’ll be far easier reporting it all to one insurer instead of two.


FREE £250 HOME EXCESS COVER, ONLY WITH GOCOMPARE^

If you need to claim on your home insurance - for example, if your building is
damaged by subsidence or your possessions are stolen - your free home excess
cover will refund up to £250 of your excess.

There’s no hidden charge. But you won't be covered for things like accidental
loss or damage.

Get quotes

^UK residents and home insurance purchases only. Excess refunded after claim
settled. Excludes accidental loss or damage claims made on your home insurance.
Full T&Cs apply.


WHAT DO I NEED TO GET A HOME INSURANCE QUOTE?

Just pop in a few details, and we’ll find your quotes. We’ll need to know:


 1. DETAILS ABOUT YOUR PROPERTY
    
    Your address, when it was built, how many rooms you have and a few
    structural details


 2. THE REBUILD VALUE OF YOUR HOME
    
    The amount it would take to rebuild the property if it was demolished.
    This'll be less than the selling price


 3. THE AMOUNT OF CONTENTS COVER YOU NEED
    
    This will be the cost of replacing the entire contents of your home as new


 4. THE SECURITY OF YOUR HOME
    
    What locks you have and if you have any burglar alarms or smoke detectors


 5. WHO LIVES WITH YOU
    
    List any occupants and when they’re usually at home


 6. DETAILS OF PREVIOUS CLAIMS
    
    If you've any previous claims you need to state them. Not telling insurers
    can invalidate your policy

Get a quote

> 72% of people said they last switched their home insurance more than a year
> ago[4].
> 
> Are you missing out on cheaper premiums?


GET CHEAPER HOME INSURANCE

Shopping around for quotes every year isn't the only way to save. Here's our 5
tips that could help to keep your costs down


 1. IMPROVE YOUR HOME SECURITY
    
    Get insurer-approved locks for your home or an alarm system


 2. LOOK OUT FOR ADMIN COSTS
    
    Check for hidden expenses on home insurance. A more expensive policy could
    work out cheaper when admin fees are factored in


 3. INCREASE YOUR EXCESS
    
    A higher excess can make your quotes cheaper, but keep it affordable in case
    you need to claim


 4. DON'T OVER-INSURE
    
    Overestimating the value of your contents and the rebuild cost of your home
    will increase your premium. But if you're in any doubt, it's better to
    overestimate than underestimate


 5. PAY ANNUALLY
    
    With monthly payments, you'll have to pay interest and sometimes a finance
    arangement fee, so it'll be more expensive




OUR TRUSTED HOME INSURANCE BRANDS


FREQUENTLY ASKED QUESTIONS

 * Is a leak covered by home insurance?
   
   It can be. Frozen and burst pipes are a major source of home insurance
   claims, but cover varies enormously from policy to policy. You may also want
   to check if you have trace and access cover on your home insurance, as this
   can be invaluable if you need to find and repair a leaking pipe.

 * Is my home already insured?
   
   If you think you've already bought home insurance, but can't track down the
   details of the insurer, check your bank account statements and emails for
   evidence of the purchase.

 * How do I make a home insurance claim?
   
   Here are the four stages on making a claim on your home insurance:
   
   If you're burgled, first call the police for a crime reference number.
   
   Next, ring your insurer's hotline to submit a claim.
   
   Collect receipts and take photos as evidence of your claim.
   
   If repairs aren't urgent, make sure your insurer agrees to any work
   beforehand.

 * Can I get home insurance if my property has subsidence?
   
   Getting insurance for properties with subsidence history is tricky - you’ll
   probably need to go to a specialist provider. Most policies will cover loss
   and damage caused by subsidence, but don’t tend to cover the cost of
   preventing more subsidence.

 * Can I get home insurance if my property is at risk of flooding?
   
   If your home is at high risk of flooding, it's worth looking into flood
   insurance. You might also be eligible for Flood Re - an initiative set up to
   help you find affordable home insurance, even if there’s significant risk of
   flooding.

 * Will home improvements affect my home insurance?
   
   You need to tell your insurer before starting any major or structural home
   improvements - if you don’t you could invalidate your cover. You don’t need
   to tell them about cosmetic alterations or minor DIY though.

 * Can I insure an unoccupied property?
   
   Yes, but the longer the property’s unoccupied for, the fewer insurers you'll
   have to choose from, and the more expensive your quotes will be.
   
   When you get a quote, you'll be asked if your property is unoccupied for more
   than 30 days. If so, whether it's for 30-45 days, or more than 45 days.
   
   If you can't find the right insurance, or you need cover for an extended
   period of time, look into unoccupied property insurance instead.

 * Do I need business insurance to work from home?
   
   If you work from home in any capacity, you need to check your policy to see
   what’s covered. You won't necessarily have to tell your insurer or take out
   additional cover for occasional home working.
   
   If you run a business from home, rather than working from home every now and
   then, you’ll need business insurance.

 * What's a home insurance excess?
   
   An excess is how much you have to pay if you make a claim on your home
   insurance. Not every policy has one, but it’s pretty common - it’s to protect
   insurers from lots of small claims and to deter fraud.
   
   Say you had something stolen from your home that was worth £700 and you have
   an excess of £150 on your home insurance. You’d pay £150 to your insurer and
   they’d pay out £550 to you.
   
   You might have different excess amounts for different parts of your policy -
   for example, an additional excess for burst pipe claims is common.
   
   Voluntary excess is the amount you agree to pay towards a claim on top of the
   excess set by your insurer. Usually, the higher your voluntary excess, the
   less your quotes will be.
   
   Just make sure you can afford to pay it if you did need to make a claim
   though.

Load more

^UK residents and home insurance purchases only. Excess refunded after claim
settled. Excludes accidental loss or damage claims made on your home insurance.
Full T&Cs apply.

[2]Based on Trustpilot: Our average rating of 4.8 out of 5 is from 3116 people
who left a review for home insurance comparison only. Last checked 02 February
2023.

[3]The average price paid for home insurance purchased annually in November 2021
by type of cover. For buildings and contents insurance, it was £175.79. For
buildings insurance only, it was £129.62. For contents insurance only, it was
£76.76.

[4]Based on a survey of randomly selected British adults who are Maximiles UK
panellists, conducted by Bilendi on behalf of GoCompare. The survey was
conducted among 2,000 respondents on 20 December 2019

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Gocompare.com Limited is authorised and regulated by the Financial Conduct
Authority (FCA) for insurance mediation activity under firm reference number
465053. You may check this on the Financial Services Register by visiting the
FCA website. Gocompare.com Limited is registered in England and Wales (Company
No. 5799376). Registered office: 4 Callaghan Square, Cardiff, Wales, CF10
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