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

Outbuilding Insurance for Sheds

Thousands of pounds worth of items are kept in sheds, from mowers and power tools to sports equipment, bicycles and valuable audio equipment.

Student Home Insurance

Students now tend to carry lots of expensive items around with them, so it’s a financial necessity to make sure they have the right insurance.

How to make a Home Insurance Claim

Here’s how you should go about starting a claim and the best possible steps you should follow during a claim to ensure the outcome you want.

How to Compare Home Insurance Cover

Here’s our guide on how to compare home cover; from preparing for your search, to the key things you should focus on to find the right policy.

Valuables Insurance

Many people own ‘valuables’ of some sort, and these items need to be treated a little differently when it comes to your Home Insurance.

Contents Insurance for Tenants

Those who rent nearly always have to provide cover for their own possessions, and tenants insurance provides the financial protection they need.

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