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

hidden fees

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

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


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Customer reviews

average customer rating for our service
(from 3,317 reviews)
of our customers are happy to recommend us
(from 5,265 reviews 1)
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


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


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

Checklist for keeping your House Insurance Premiums Low

With a little effort you could potentially cut hundreds, if not thousands, of pounds from the long-term cost of your house insurance.

Accidental Damage

Accidental damage insurance, as part of your home insurance, is there to ensure you can afford to replace or repair the damaged items.

How to Invalidate your Home Insurance

Understanding some of the more common reasons Home Insurance is invalidated, can help you avoid making the same mistake.

Types of Home Insurance cover

When you’re comparing quotes it’s important to understand the different types of home cover available, and the extras you might need to add.

Legal Expenses Cover

Legal expenses insurance ensures that if you do get involved in legal proceedings, you’re financially covered for the costs involved.

Guide to House Insurance small print

It’s vital to take a really close look at the small print when you take out Home Insurance cover to ensure you don't get caught out.

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