Claims made easy
A claims service that can pay you direct to cover the cost of replacing items.
Home insurance
Our customers saved an average of £98 when they switched to us.*
Home insurance with Policy Expert
is packed with features to give you great cover and protection.
Tailored to you
Five cover levels allowing you to choose the home cover that suits your needs and budget.
We're here for you
UK-based call centres so you can speak to real people about your policy.
What is home insurance?
Home insurance is a financial safety net designed to protect you when unexpected and unavoidable events occur to your buildings or contents.
At Policy Expert, we understand that your home is more than just a building - it’s your sanctuary, your investment, and often your most valuable asset. That’s why we’re committed to providing comprehensive home insurance that gives you peace of mind.
Compare our home cover levels
At Policy Expert, we provide five different cover levels to suit your home insurance needs:  |  |  |  |  | |
|---|---|---|---|---|---|
| Buildings | £600,000 £600K | £600,000 £600K | £1,000,000 £1M | £1,000,000 £1M | £1,500,000 |
| Contents | £60,000 £60K | £60,000 £60K | £75,000 £75K | £100,000 £100K | £150,000 |
| Home emergency |  | |  | | Plus cover |
| Legal expenses | | | | | Plus cover |
| Alternative accommodation | £50,000 £50K | £75,000 £75K | £100,000 £100K | £150,000 £150K | £200,000 £200K |
| Property owner’s liability | £1,000,000 £1M | £2,000,000 £2M | £2,000,000 £2M | £5,000,000 £5M | £5,000,000 £5M |
Our Basic and Platinum products are only available for sale on price comparison sites.
To see full details of what's available in each product, get a quote .
Policy wording
Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.
Upgrade your home insurance cover
We offer several optional extras to enhance your home insurance policy:
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Accidental damage
Additional protection for your buildings and contents which includes cover for baths, damage to walls and spills on furnishings.
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Away from home
Safeguarding items taken outside the home, including phones, tablets and laptops.
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Legal expenses
Dependent on the policy you select there are two cover levels available: Select or Plus.
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Home emergency
Dependent on the policy you select there are two cover levels available: Select or Plus.
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Key cover
24/7 emergency helpline to assist with replacement of locks, keys and locksmith charges.
Why do I need home insurance?
Having the right level of home insurance means you can relax knowing that experts are on hand if the worst happens. We’re here every step of the way to get you back to normal.
What isn’t included in your home cover?
Some things aren’t protected by your home insurance cover – here are some common examples:
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Damage resulting from general wear and tear
Regular maintenance remains the homeowner’s responsibility.
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Storm damage to gates and fences
We don't cover damage caused in normal weather conditions.
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Damage to an unoccupied home
We don’t cover damage if your home is unfurnished or has been unoccupied for longer than the maximum number of days allowed under your policy.
Which home insurance type is right for me?
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Combined buildings and contents insurance
For comprehensive protection, we offer a combined buildings and contents insurance policy. This all-in-one solution provides coverage for both the structure of your home and your personal belongings, offering peace of mind and potentially saving you money compared to separate policies.
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Buildings insurance
Our buildings insurance covers the structure of your home, including permanent fixtures and fittings. This policy protects against damage caused by events such as fire, storm, flood, and subsidence. It’s essential for homeowners and usually required by mortgage lenders.
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Contents insurance
Contents insurance safeguards your personal belongings within your home. This includes furniture, electronics, clothing and other valuable items. Our policy also covers against theft, fire and accidental damage as an add-on, ensuring your possessions are protected.
Our awards and recognition
We’re proud that Defaqto has awarded both our Gold and Platinum home insurance products its highest rating of 5 stars. This recognition underscores our commitment to providing exceptional home insurance coverage to our valued customers.
Our home Insurance expert says...
"With the costs of building materials and labour rising, more extreme weather in the UK, and a shortage of builders and tradesmen, it’s more important than ever to be confident that you have the cover you need with an insurer that’s going to take care of you. We work hard to be clear, quick, and supportive so that you can feel confident that you and your home are in safe hands - whether that’s helping you buy the right policy for your needs or guiding you through the claims process from start to finish.”
Tom Hewitt, Head of Field Operations
People love what we do...
I am very happy with Policy Expert
I am very happy with Policy Expert, their customer service is excellent and I have had my home insurance with them for the last 6 years.
Stephen, March 2026
Very good home insurance cover
Very good home insurance cover at competitive rates. Simple to renew, I had no changes, some others came in close but looking at the small print, policy expert was better.
Customer, March 2026
Recent claim handled with speed
When I had to make a claim recently you handled it with exceptional speed. The contractors worked to a high standard. I was kept informed by yourselves and your contractors every step of the way!
Michelle, March 2026
Our insurance services are rated excellent on
Trustpilot April 2026
What you need to get a home insurance quote
To get a quote, you’ll need to provide some basic information about yourself, your home, and anyone else living with you.
Be prepared with the following details:
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When your home was built and if it's listed.
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An estimate of your home's current value.
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The type of lock on your main door.
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Whether your windows are key-operated.
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If you have a working burglar alarm.
Whether you’re a new homeowner or looking to switch providers, we’re here to help you find the right policy for your needs. Get your personalised home insurance quote today and join the thousands of customers who’ve already saved with Policy Expert.
FAQs
How much is home insurance?
The cost of your house insurance depends on various factors, including your location, property type, and desired level of cover. For an accurate quote tailored to your specific circumstances, we recommend getting a personalised quote now.
Numerous factors influence your premium, including:
- Your home’s location and construction materials
- Number of bedrooms
- The occupants of your home
- The level and type of cover you choose
- Your claims history
- Security measures in place
How can I make a claim?
If you need to make a claim, our experts are here to help. The process depends on your cover type and the nature of your claim. Visit our Claims page, select the appropriate claim type (contents & buildings, home emergencies, legal cover, or key cover), and follow the guided process online or over the phone. Remember to check your policy documents (which you can find in your customer account) to make sure you have the cover needed, and to check your excesses before proceeding with your claim.
Why has home insurance gone up?
Insurance pricing can fluctuate due to various factors, even if you haven’t made a claim. Generally home insurance premiums in the UK have risen largely due to extreme weather events and rising costs of materials and labour. If you have concerns about your renewal quote, please contact our team using the details in your renewal letter or email.
Can I get insurance if my home is undergoing building work?
Depending on the type of work, you may need specialist renovation insurance. If you’re already insured with us and planning building work, notify us at least 30 days before work begins. We’ll assess whether we can continue to provide adequate cover to meet your needs.
Does home insurance cover boilers?
With our home emergency cover you are covered if your boiler (dependent on it's age) suffers complete failure or breakdown. We will pay for emergency work to be carried out and our contractor will attempt to complete a temporary repair of your boiler. For full details, please refer to our policy documents.
Does home insurance cover roofs?
Yes, roof coverage is included as part of the building insurance, though the extent of cover depends on your specific policy. Storm damage is covered if it meets our defined criteria. For full details, please refer to our policy documents.
Are underground pipes covered by home insurance?
Yes, pipes are considered part of the building and are covered, including accidental damage. However, general exclusions like wear and tear still apply. For full details, please refer to our policy documents.
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