Home Insurance UK

Protect Your Home With Comprehensive Insurance Cover

Home insurance protects your property and belongings against fire, flood, theft, storm damage and accidental loss. We help you compare suitable buildings and contents insurance based on your needs.

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Home Protection Explained

What Is Home Insurance?

Home insurance is designed to financially protect your property and belongings against unexpected damage, loss, or theft.

Home Insurance Protection Overview

Two Main Types Of Cover

Buildings Insurance

Protects the structure of your home including walls, roof, floors and fixtures.

Contents Insurance

Covers personal belongings such as furniture, electronics and valuables.

Helps protect you financially from fire, flood, theft, storms and accidental damage.
Home Protection Options

Types Of Home Insurance Cover

Home insurance typically includes two key types of protection — Buildings and Contents cover — which can be taken separately or combined.

Buildings Insurance Home Protection
Buildings Cover

Buildings Insurance

Covers the structure of your home including walls, roof, floors, ceilings, fixtures and permanent fittings.

  • Fire & flood protection
  • Storm damage cover
  • Structural repairs
  • Permanent fixtures & fittings
Contents Insurance Protection
Contents Cover

Contents Insurance

Protects your personal belongings such as furniture, electronics, clothing and valuables inside your home.

  • Theft protection
  • Fire & accidental damage
  • Electronics cover
  • Personal belongings protection
Property Protection For Everyone

Who Needs Home Insurance?

Home insurance is essential for protecting your property, belongings and financial security against unexpected damage, theft or loss.

Homeowners with Mortgage Insurance
Mortgage Owners

Most lenders require buildings insurance as a condition of your mortgage.

Homeowners Without Mortgage
Freehold Owners

Protect your property investment even if your mortgage is fully paid off.

Tenants Contents Insurance
Tenants

Protect your personal belongings inside rented accommodation.

Landlord Property Insurance
Landlords

Protect rental properties with specialist landlord insurance cover.

Protection Coverage

What Home Insurance Typically Covers

Home insurance protects your property and belongings against a wide range of risks. Coverage depends on your policy type and provider.

Fire and Smoke Damage
Fire & Smoke Damage

Protection against fire-related damage to your home or contents.

Flood and Storm Damage
Flood & Storm Damage

Covers weather-related damage including storms, floods and heavy rain.

Theft and Burglary
Theft & Burglary

Protection if your home is broken into or belongings are stolen.

Burst Pipes
Burst Pipes

Cover for internal water damage caused by plumbing failures.

Accidental Damage
Accidental Damage

Optional cover for unexpected accidental damage inside your home.

Home Emergency
Home Emergency

Optional cover for urgent household emergencies such as boiler breakdowns, plumbing issues, electrical failures, and heating problems.

Rental Guarantee
Rental Guarantee

Optional cover that helps protect your rental income if tenants are unable to pay rent, providing added financial security for landlords.

Temporary Accommodation
Temporary Accommodation

Costs covered if your home becomes uninhabitable after damage.

Important Information

What Home Insurance Does Not Cover

Understanding exclusions helps you choose the right level of protection and avoid surprises when making a claim.

Wear & Tear

Gradual deterioration of your home over time is not covered.

Maintenance Issues

Damage caused by lack of maintenance or neglect is excluded.

Pre-Existing Damage

Existing issues before policy start date are not covered.

High-Value Items

Valuable items may require additional cover or specified listing.

Real Protection Outcomes

Real-Life Claim Examples

Home insurance helps protect homeowners from unexpected events such as fire, storms, and theft.

Home Fire Damage Insurance Claim
Fire Claim

Fire Damage

Kitchen fire caused significant property damage. Insurance covered full rebuild and repair costs.

Outcome: Full property restoration covered
Storm Damage Roof Insurance Claim
Storm Claim

Storm Damage

Severe storm damaged roof structure leading to leaks. Repairs were fully covered under the policy.

Outcome: Roof repair costs covered
Home Theft Insurance Claim
Theft Claim

Theft Claim

Burglary resulted in loss of valuables and electronics. Insurance replaced stolen items.

Outcome: Full replacement of contents
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Whether you're looking for Life Insurance , Critical Illness Cover , Income Protection , Home Insurance or Landlord Insurance , our experienced advisers compare policies from leading UK insurers to help you find the right protection at competitive prices.

Family & Financial Protection

Protect your family, income, home and future with insurance tailored to your needs.

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Frequently Asked Questions

It is not legally required, but most mortgage lenders require buildings insurance.

Buildings insurance covers structure; contents insurance covers personal belongings.

Yes, most insurers offer combined home insurance policies.

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