HOME INSURANCE 

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Please see a list of companies that offer home insurance below for you to compare. You can find home insurance providers that offer standard home insurance or combinations for home and contents. There are lots of options for home insurance cover so take as much time as you need to find a service which suits your personal situation. For instance, you might be looking for a home insurance policy which includes cover for accidental damage if you have small children. The 'get a free insurance quote' button gives you access to the Seopa Insurance quote system which offers access to additional insurers from those listed in the table below. www.whichwaytopay.com is owned by Which Way to Pay Limited, who are an Introducer Appointed Representative of Seopa Ltd. The insurance quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FSA, number 313860. For more information please see disclaimer.

Search Report: ALL  Home Insurance Providers  Home Insurance Brokers

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

PROVIDERTYPE

TYPE

Broker or Provider

HOME INFO

HOME INFO

Home information necessary

POLICY

POLICY

Details of the insurance policy

COST

COST

Cost of policy

EXCESS

EXCESS

An excess is a payment you have to make if you decide to claim on your policy

COVER

COVER

Details of cover available

METHODS

METHODS

Application Methods available

SUITABLE

SUITABLE

Who insurance is suitable for

RESTRICTIONS

RESTRICTIONS

Restrictions for applicants

MORE INFO

Allianz Home Insurance
Allianz Home Insurance

ProviderHome and contentAllianz Your Cover Home Insurance£133 and free Legal CovervariesType

Cover Type

Home and content


Level

Cover Level

home,content,legal


Detail

Cover Detail

Home and Content for owner and tenants

OnlineSuitable For

Suitable For

Home owners and tenants

Restrictions

Restrictions

ask on application

Allianz Home Insurance
Rest easy with Defaqto 5 star rated home insurance from Allianz. Allianz home insurance puts you in charge. Start off with the basics you need to protect your home and your belongings. Then, just choose from the optional extras such as garden and freezer cover to suit your needs. Allianz is part of Allianz Group, one of the world’s largest insurance providers, serving more than 70 million customers in 70 countries. This offer is only available if you purchase via the link on this page. DETAIL INFORMATION >>Services

Services

24 hour claim service, online application, free home legal cover


Advantages

Advantages

1.No admin fees
2.UK call centres
3.24 hour claims service


Disadvantages

Disadvantages

Details after application

Age UK Home Insurance
Age UK Home Insurance

BrokerIs not a Grade 1 listed buildingAge UK Home InsuranceFrom £147£45Type

Cover Type

Contents and Building Insurance


Level

Cover Level

'New for Old' cover


Detail

Cover Detail

Significant exclusions

Buildings Insurance
Loss or damage caused by weight of snow. Storm or flood loss or damage to gates or fences. Subsidence caused by settlement unless the settlement is caused by subsidence of the site on which buildings stand.

Contents Insurance
Loss or damage caused by weight of snow. Theft or attempted theft when your home or any part of it is lent, let or sublet to or occupied by someone who is not a member of your family, unless force causing damage to the main building of the home was used to get in or out of the building.

General policy exclusions applicable to all sections and optional extras
Property more specifically covered by another policy of insurance. Any criminal or deliberate act by you or your family.

OnlineSuitable For

Suitable For

Designed for people over 50 years old

Restrictions

Restrictions

Cover cannot be provided if you or anyone living with you has: had a previous insurance subjected to increased terms or conditions or cover withdrawn or refused been declared bankrupt or has a current County Court Judgement made against them which has not been discharged (bankruptcies which have been discharged, and CCJs that have been paid in full or are more than 6 years old do not count).

Age UK Home Insurance
5 Star rated home insurance from just £147. Age UK understands how important home insurance is. That’s why they offer great value home insurance you can rely on – with no hidden fees. Age UK Home Insurance is provided by Ageas Insurance Limited. DETAIL INFORMATION >>Services

Services

Buildings and Contents insurance


Advantages

Advantages

1. Pay by interest free instalments at no extra cost (0% APR Representative)
2. A standard claims excess of just £45† (conditions apply)
3. Award-winning customer service^
4. Choice of buildings or contents cover or both
5. 'New for old' cover
6. Switch to Age UK Home Insurance and get a cancellation refund of up to £40


Disadvantages

Disadvantages

Cover cannot be provided if you or anyone living with you has:

1. had a previous insurance subjected to increased terms or conditions or cover withdrawn or refused
2. been declared bankrupt or has a current County Court Judgement made against them which has not been discharged (bankruptcies which have been discharged, and CCJs that have been paid in full or are more than 6 years old do not count).

GSI Home Insurance
GSI Home Insurance

BrokerHome and contentsGSI Home InsuranceDepending on policy chosenAsk on applicationType

Cover Type

Home and content


Level

Cover Level

Various


Detail

Cover Detail

Different policies available for home and content, holiday homes and home with claims

OnlineSuitable For

Suitable For

Home owners and tenants

Restrictions

Restrictions

Ask on application

GSI Home Insurance
At GSI we search our large panel of home insurance providers, saving you time and money. We have access to some of the biggest names in home insurance, many of whom pass on special broker discounts to us which we pass on to our customers. We pride ourselves in our customer service levels to ensure that if you buy a home insurance policy through us, it?s as seamless as possible. Get a quote now! DETAIL INFORMATION >>Services

Services

Telephone advice, online calculator


Advantages

Advantages

1.Personal service
2.Quick and easy
3.Big choice


Disadvantages

Disadvantages

No info about costs on website

Tesco Home Insurance
Tesco Home Insurance

ProviderSee website for detailsValue, Standard and Finest cover.From £6.87 per month£50 - £1000Type

Cover Type

Building and Contents


Level

Cover Level

Value, Standard and Finest cover.


Detail

Cover Detail

1. 24-hour Home Emergency cover.
2. Assistance for ID Fraud.
3. Buildings and Contents Accidental Damage.
4. Personal Possessions Cover

OnlineSuitable For

Suitable For

Clubcard holders

Restrictions

Restrictions

1. Boilers over 10 years old or with an output over 60kw 
2. Under floor heating, solar heating systems or warm air systems 
3. Loss or damage after your home has been unoccupied for more than 60 days in a row 
4. Any loss or damage which occurs during the fi rst 14 days following the start of your Home Emergency cover

Tesco Home Insurance
Tescos home insurance - Earn 1 Clubcard point for every £4 of annual premium when you quote and buy via Tesco Compare before 26 September 2013. Excludes specialist car insurance policies. Terms and Conditions apply*. . No-frills policy which includes the basic home essentials to cover against major events such as fire, storm, flood and theft. Discount applies to buildings and contents premium only and is available to new customers in year 1 as an introductory discount off the full price premium. DETAIL INFORMATION >>Services

Services

Finest cover includes many extras you would expect, such as:
1. Concierge
2. Home Emergency
3. ID Fraud Detection and Assistance Service


Advantages

Advantages

1. 24-hour emergency helpline
2. Phone their UK call centres for help
3. Home Repair network - all repairs are undertaken by approved builders and all costs are paid directly to them
4. A whole year's guarantee for work undertaken on your property by approved builders
5. Our Price Promise gives Clubcard customers a great discount
6. Use Clubcard vouchers to pay for your premium.
7.  1 to 5 Star defaqto-rated cover
8. Get a BIG 50% introductory discount off Buildings and Contents Cover with Tesco Home Insurance.


Disadvantages

Disadvantages

1. Restrictions apply.
2. You will need to pay an excess to any claims made of at least £50

Quoteline Direct
Quoteline Direct

BrokerVarious policiesDependent on ProviderDependent on ProviderDependent on ProviderType

Cover Type

Dependent on Cover


Level

Cover Level

Dependent on Cover


Detail

Cover Detail

Cover for a variety of needs including: subsidence insurance, flood risk insurance, unoccupied property insurance, high value home insurance and insurance for listed buildings

Fill out a simple form onlineSuitable For

Suitable For

To give an instant quote on household insurance

Restrictions

Restrictions

Dependent on Cover

Quoteline Direct
Insure your house with Quoteline Direct and save at least 10% against your current insurers renewal premium with similar cover. With more than 40 years' experience Quoteline Direct is one of the country's leading household insurance brokers. Whether you're looking for buildings insurance, contents insurance or a combined home insurance policy; we can find the right cover at the right price. Our online quotation engine searches hundreds of policies from the biggest names in UK insurance to give you an instant quote. In fact, we are that confident in our service that we guarantee a 10% saving on your current home insurance renewal with similar cover, subject to normal underwriting criteria. DETAIL INFORMATION >>Services

Services

1. Buildings insurance, contents insurance or a combined home insurance policy


Advantages

Advantages

1. Save at least 10% against your current insurers renewal premium with similar cover
2. Access to a wide range of policies means they can provide cover to suit everyone's needs: from first-time buyers to retired professionals
3. Security conscious customers may be eligible for additional discounts by fitting smoke/ burglar alarms or joining a Home Watch scheme
4. Switch to Quoteline Direct and they can usually repay the £25.00 administration fee charged by banks and building societies
5. Call the 24-hour claims helpline to get help when you need it most.
6. Aim to settle claims as quickly as possible with a minimum of fuss
7. Choose from a number of payment options, including direct debit (details available on request)


Disadvantages

Disadvantages

1. Policy alterations including cancellation fee up to £26

The AA Home Insurance
The AA Home Insurance

ProviderSee website for more details.The AA Home InsuranceAvailable at £199.95 per yearVariesType

Cover Type

Buildings Insurance, Contents Insurance, Building and Contents Insurance, Prestige Home Insurance, Holiday Home Insurance


Level

Cover Level

Standard


Detail

Cover Detail

1. Contents – cover of up to £40,000 (higher levels available on request)
2. Contents – automatic new-for-old cover†
3. Contents – accidental damage cover
for non-portable home entertainment and electrical and gas equipment
4. Buildings – unlimited rebuilding costs
for homes with a market value of up to £1 million
5. Buildings – accidental damage cover included as standard

Online, TelSuitable For

Suitable For

Great value Home Insurance

Restrictions

Restrictions

See website for details.

The AA Home Insurance
Switch to The AA and you could save up to £70. They will refund you up to £25 for buildings insurance and £25 for contents insurance if you current insurer charges you. Apply online and receive your quote today. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions you may have. Click here for more information. DETAIL INFORMATION >>Services

Services

UK call centers


Advantages

Advantages

1. Contents – cover of up to £40,000 (higher levels available on request)
2. Automatic new-for-old cover
3. Accidental damage cover for non-portable home entertainment and electrical and gas equipment
4. Buildings – unlimited rebuilding costs for homes with a market value of up to £1 million
5. Buildings – accidental damage cover included as standard
6. Alternative accommodation costs of up to £20,000 for you and your pets, if your home can't be lived in after a covered event
7. Up to £500 cover against fraudulent use of stolen credit cards, and cover of up to £500 for money stolen from your home
 


Disadvantages

Disadvantages

1. Exclusions apply to the policy.
2. You make have to pay an excess if you make a claim.

HomeProtect home insurance
HomeProtect home insurance

ProviderSee website for more detailsHomeProtect home insuranceAsk on applicationVariesType

Cover Type

Building and content cover


Level

Cover Level

Standard


Detail

Cover Detail

Your policy is valid for a period of 12 months from the date you want cover to start (asshown on the Policy Schedule). Annually, your renewal will be invited in writing within good time prior to the expiry date of the policy

Online, TelSuitable For

Suitable For

For people looking for competitive home insurance

Restrictions

Restrictions

There are restrictions on cover if:
 
1. Your property is not sufficiently furnished for someone to live in it for more than 30 consecutive days
2. Your property is undergoing any structural repairs, alterations or extensions
3. You have paying guests or tenants
4. Your property is unoccupied or left regularly unattended for more than 30 consecutive days

HomeProtect home insurance
HomeProtect home insurance can be tailored to fit your needs and budget. Along with buildings and contents cover, you can also add the extras: emergency cover to help you quickly sort out headaches from roof damage to electrical failure, or accidental damage for life's little mishaps. Homeprotect can insure you against legal disputes, and help minimise the stress of replacing lost keys. They will always do our best to get you immediate cover, no matter how tricky your situation DETAIL INFORMATION >>Services

Services

1. Flooding insurance
2. Subsidence insurance
3. Criminal convictions insurance
4. Unoccupied property insurance working from home insurance
5. Underpinned house insurance
6. Listed buildings
7. Renovation insurance


Advantages

Advantages

homeprotect takes a fresh approach to online home insurance in the UK.
 
1. They quote when others won't - all situations catered for
2. Immediate cover often available, no matter what your circumstances are
3. Home insurance underwritten by established, reliable insurers
4. UK helpdesk - friendly, professional team


Disadvantages

Disadvantages

Saga Home Insurance
Saga Home Insurance

ProviderSee website for exclusionsBuildings Insurance and Contents InsuranceDepending on PolicyAsk on applicationType

Cover Type

Standard Accidental Damage, Extended Accidental Damage, Cover Plus


Level

Cover Level

Comprehensive


Detail

Cover Detail

Additional Cover options available
1. Personal Belongings In and Away From Home Cover
2. Legal Expenses Cover
3. Domestic Emergency Cover
4. Garden Cover
5. Other Additional Cover Options

OnlineSuitable For

Suitable For

Over 50’s

Restrictions

Restrictions

See website for terms and conditions

Saga Home Insurance
When you switch to a Saga Home Policy, they will pay any standard transfer charges which may be applied by your current insurer, up to £25. The Saga Home Insurance Policy offers a range of additional cover options, including Legal Expenses Cover, Domestic Emergency Cover and Identity Theft Cover. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. Click here for more information. DETAIL INFORMATION >>Services

Services

1. Saga will pay any standard transfer charges applied by your current insurer, up to £25.
2. A choice of cover levels
3. No forms to complete


Advantages

Advantages

1. Automatic cover for buildings insurance, up to £500,000 and contents insurance up to £50,000.
2. New for old replacement of items if repair is not feasible, such as a broken mirror (including clothing and household linen with Cover Plus).
3. Full protection when your home is unoccupied for up to 60 days in a row.
4. 24 hour legal helpline.
5. Your switching fees paid
6. A range of additional cover options
7. A choice of cover levels


Disadvantages

Disadvantages

1. There are maximum claims limits
2. Significant exclusions or limitations applying to buildings and contents insurance: 
 (a) The excesses shown in your Schedule.
 (b) Cover may be restricted by an endorsement/clause shown on your policy Schedule. For example, theft cover may be restricted under contents cover unless certain security measures are in force.
 (c) Damage caused by wear or tear, poor maintenance or anything which happens gradually
 (d) Any losses or damage caused deliberately by you, or someone who you have given permission to be in your home.

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

Compare Home Insurance

Home insurance protects your house and what’s inside as well as your finances. Get the peace of mind that your most valuable asset is protected with an insurance policy.

Why do you need Home Insurance?

Getting insurance for your home is very important especially as it is probably the most expensive thing that you own. We cannot predict the future but by taking out a home insurance policy you will have the peace of mind that should something happen to your home and belongings you are financially protected. Imagine if you didn’t have insurance and something was to happen to your home. How would you pay to replace the things you own?

Home insurance covers for a wide range of eventualities and risks. Wherever you live or whatever the size of your home you can find policies that can be tailored to suit your situation. There are even home insurance policies to cover you if you are not the owner of your home or flat.

What are the types of Home Insurance?

Home insurance can be split into two types of cover – Building Insurance and Contents Insurance. You can also find home insurance for landlords and tenants and other specialist insurance policies.

Home insurance covers any physical damage to your home caused by events such as fire, smoke subsidence, weather, natural disasters, flooding, explosions and burglary. You can get home insurance cover for not only your home but also any outbuildings, gardens, swimming-pools, tennis courts and fences.

You can also get cover for all of the things in your home such as furniture, clothing, electrical equipment and bikes for things like theft, breakage, damage from pets and vandalism. If you have particular valuables that you want extra protection for such as jewellery, art or anything that is of a particularly high value you should make sure that they are covered by any policy that you are considering.

How much will a policy cost?

The cost of home insurance can widely vary. The premium you will pay will depend on the insurer you go for and the policy you choose.

Insurers may take into consideration what home security you have in place to decide how much to charge you. With this in mind you can keep premiums down by installing quality locks on your windows and doors, fitting alarm systems and putting outside lighting in place. These features of home insurance will reduce the chances of you being a victim of burglary which should lower your premiums. Also fitting smoke alarms and investing in insulation which will help prevent pipes freezing can help.

Bear in mind by adding additional features onto your policy will increase premiums. To keep premiums down make sure you are only covered for the things you want and for nothing that you don’t need. However, remember that the cheapest insurance is not necessarily the best because it is likely to offer the lease amount of cover.

Choosing the best Home Insurance policy

As home insurance is such a necessity there are many insurers on the market vying for your business which can make the task of find a policy very daunting. It is important that you take the time to research the market to see what’s on offer. You can use the table above to compare different home insurers and weigh different policies against each other. The aim is to find a comprehensive policy that covers your entire needs at the most competitive price.

When deciding on a policy ensure you choose an insurer that can offer you a tailor made policy designed to suit your needs and one that will be able to offer support and help should you need to make a claim. Many insurers offer a free quote so it makes sense to collate as many as you can.

Before you apply make sure you read the terms and conditions fully and that you have an entire breakdown of how much a policy will cost you because some insurers can add on admin fees that can be expensive.

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