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92% of you saved an average of £79 *.

4.8/5 from 58,500 reviews. 96.7% of users recommend us.

What we do

We think our home insurance could be right for you.

We aim to keep our prices down by insuring only low risk people (like you).

Silver and Gold customers get free Home Emergency and Legal Expenses cover.▵

Our online Claims process helps resolve your simple claims without fuss.

And we guarantee our repair work on your home for 2 years.

No wonder you’ve voted us the UK’s no.1 home insurance provider for 9 years on the trot. Thanks!

Our Home insurance products

We put you first. Starting with finding you the right cover for your needs. Then getting you the best price.


Buildings insurance sum covered	£600,000	£1,000,000	£1,000,000
Contents insurance sum covered	£60,000	£75,000	£100,000
New for old cover as standard
Alternative accommodation (buildings)	Up to £75,000	Up to £100,000	Up to £150,000
Alternative accommodation (contents)	£10,000	£10,000	£25,000
Credit cards in and away from home	£1,000	£1,000	£1,000
Personal money in the home	£250	£250	£1,000
Deep freezer contents	£300	£500	£750
Property owners liability	£2,000,000	£2,000,000	£5,000,000
Replacement locks or keys	£300	£500	£1,000

Buildings insurance sum covered

£600,000

Contents insurance sum covered

£60,000

New for old cover as standard

✔

Alternative accommodation (buildings)

Up to £75,000

Alternative accommodation (contents)

£10,000

Credit cards in and away from home

£1,000

Personal money in the home

£250

Deep freezer contents

£300

Property owners liability

£2,000,000

Replacement locks or keys

£300

Buildings insurance sum covered

£1,000,000

Contents insurance sum covered

£75,000

New for old cover as standard

✔

Alternative accommodation (buildings)

Up to £100,000

Alternative accommodation (contents)

£10,000

Credit cards in and away from home

£1,000

Personal money in the home

£250

Deep freezer contents

£500

Property owners liability

£2,000,000

Replacement locks or keys

£500

Buildings insurance sum covered

£1,000,000

Contents insurance sum covered

£100,000

New for old cover as standard

✔

Alternative accommodation (buildings)

Up to £150,000

Alternative accommodation (contents)

£25,000

Credit cards in and away from home

£1,000

Personal money in the home

£1,000

Deep freezer contents

£750

Property owners liability

£5,000,000

Replacement locks or keys

£1,000

Get a quote Retrieve my quote

Home Policy documents

Our easy-read policy documents mean that you know exactly what you’re covered for.

Policy documents

We don’t do gobbledygook. All our policies are written in simple Plain English.

Tailored cover to suit you

Select exactly what you need and we’ll tailor the perfect policy for you.

Home emergency

Legal expenses

Key cover

Cycle cover

Accidental damage

Away from home

Claims line open 24/7, all year round

Burst pipes, plumbing and drainage problems

Security cover (if a window gets smashed, for example)

Boiler breakdown, including heating and hot water failures

Helping with your toilet if it’s blocked or won’t flush.

Nasty things. Like pests, vermin, wasps and rat infestations.

Home emergency

Legal expenses

Key cover

Cycle cover

Accidental damage

Away from home

Ask away

Have any questions? Our UK-based service team has all the help and support you need and is only a click away.

Help Centre Contact us

Already a customer

Click to renew or manage your policy.

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You first

At Policy Expert we put you, the customer, first.

From policy wording to claims and repairs, we’re on a mission to make Insurance for people like you.

And as you’ve rated us the UK’s no.1 rated home insurance provider since 2013**, it must be going alright.

Visit Reviews page

The best home insurance I’ve ever been with

The best home insurance I’ve ever been with. When dealing with a recent claim it was quick and simple, highly recommend

Jade Ashby - 3/7/2022

The best policy I found!

Super easy to complete and extremely fair and happy with the price compared to alot of other companies. The best I found!

Catherine - 10/8/2022

50% cheaper

50% cheaper than my existing insurer for the same, if not better, cover. I had bought Policy Expert insurance previously for my daughter and felt comfortable in doing so for myself.

Mike Davies - 10/8/2022

Contacted with new policy costs

Straightforward and easy to follow instructions. With this company for second year, unfortunately had a claim which was dealt with quickly and efficiently. Would highly recommend.

Mr Albert Gracia - 8/8/2022

Renewing my home and contents

Renewing my home and contents insurance with Policy Expert was simplicity itself. No hassle. No anxiety. Utterly straightforward.

Ian Clarke - 8/8/2022

4.8/5 from 58,500 reviews. 96.7% of users recommend us.

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