Home Insurance

Fixed for 2 years*

Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Premier

We'll fix your Home Insurance premium for 2 years, so instead of going up next year it will stay at the same low price*. Compare quotes now from our panel of hand-picked insurers.

We carefully select the insurers on our panel for their cover levels, price and claims service; to make sure you get the best possible quality for less. What you see is what you get - no hidden excesses or excessive fees. Flexible cover options whether you're after a combined house insurance policy or separate Buildings Insurance or Contents Insurance.

Thanks to the Flood Re scheme, Policy Expert is now able to offer affordable quality cover to homes most at risk of flooding in the UK. Find out more about Flood Re from Policy Expert.

  • Our two year fixed offer

    Fix your premium for 2 years, so you’ll pay the same low rate next year at renewal*.

  • #1 Home Insurance provider**

    Policy Expert are the UK’s number 1 rated Home Insurance provider.

  • Quotes in under 5 minutes

    In just a few minutes you can compare quotes from some of the UK’s leading insurers. Compare quotes from leading insurers, including those exclusive available to Policy Expert.

  • 93% of customers save money

    A survey of 1,722 customers found 93% saved money when switching to Policy Expert between Jan - Mar 2016. Saving an average of £75.27.

  • 5 Star Defaqto Rated

    Buy in the confidence your policy has been independently reviewed by Defaqto.

  • UK based support & claims

    Our friendly customer service and claims teams are based right here in the UK.

Buy in confidence

No
hidden fees

Unlike other home insurers we do not charge admin fees for making changes to your policy.

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No
jargon

Policy Expert are proud supporters of the Plain English campaign so you won't find any jargon in our policies. Read more

Secure
purchasing

All the personal and payment information collected is protected by Verisign.

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Customer reviews

85%
average customer rating for our service
(from 3,313 reviews)
92%
of our customers are happy to recommend us
(from 5,265 reviews 1)
93%
save when switching to Policy Expert
(from 1,722 survey responses**)

Choose your cover

Buildings & Contents Insurance

Usually only suitable for home owners, combined policies provide protection for both your home and its contents should the unexpected happen. Find out more about Buildings and Contents Insurance

Buildings
Insurance

Whilst it's not a legal requirement, most lenders will insist you have buildings insurance as part of your mortgage to ensure the property is adequately protected. Find out more about Buildings Insurance

Contents
Insurance

Best suited to those who rent their home, contents insurance provides cover for your possessions i.e. the things you would take with you when you move home. Find out more about Contents Insurance

Home Insurance guides

Flooding and Home Insurance

UK homes face an increasing risk of flooding as heavy rainfall and violent storms become more frequent and widespread due to climate change.

Flat Insurance

Whether you own or rent the flat you live in, shopping around for flat insurance can be more complicated than with cover for a house.

New for Old Cover

Most home insurance policies offer ‘new for old’ cover as standard for the building you own and its fixtures, fittings and contents.

Bicycle Insurance

Many people assume their bicycle is covered by their Home Contents Insurance, but it’s important to check your policy wording carefully.

Home Emergency Cover

The costs involved with repairing the damage home emergencies can cause, and paying for replacements can be considerable.

Second Home Insurance

Whether you own a second home as a holiday retreat, a base for work or an investment, getting the right home insurance cover is vital.

We work with some of the UK's most trusted brands