Buildings and Contents Insurance

Fixed for 2 years *

Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Premier
The smart way to buy Buildings and Contents Insurance is together in one single, combined policy, rather than as separate cover; insurers offer the best value deals to those that do and it also keeps things nice and simple if you need advice or have to make a claim.
At Policy Expert we work with the best quality providers to ensure all policies come with a good minimum level of cover as standard. Additionally, our broker status and flexible approach to optional extras means we can offer the guidance and flexibility needed so that your home and possessions are protected from damage, theft and loss in the right way, at the right price.

Buildings Insurance - Standard Cover in our policies:

  • Properties of most shapes, sizes and construction types covered, up to a rebuild value of £1 million.
  • Garages, sheds and outbuildings covered as standard.
  • Accidental Damage Cover for damage to mains services, fixed bathroom fittings and fixed glass only.
  • Alternative Accommodation for your family if your home becomes uninhabitable.
  • Trace & Access – Our insurers don't just fix the damage, they can also help to diagnose the root of the problem.
  • Property owner's liability insurance.

Optional Extras:

  • Extend your Accidental Damage Cover for full protection, whether it’s a foot through the bedroom ceiling or a nail driven into a pipe, you’re covered.
  • Add Legal Expenses Insurance to provide up to £50,000 of legal expenses towards protecting your home rights. Find out more.
  • Add Home Emergency Cover to give peace of mind when disaster strikes. Find out more.

Contents Insurance – Standard cover in our policies:

  • Cover for typical household contents you keep in your home – choose your amount up to £100,000.
  • Alternative Accommodation if your home becomes uninhabitable (even if you don’t have Buildings Cover with us).
  • Accidental Damage Cover to protect from mishaps to mirrors, ceramic hobs and glass (such as oven doors and glass-topped tables). Some policies will cover damage to TVs, desktop PCs and games consoles as standard too
  • Valuables and high-risk items cover provided as standard (total limits apply, ranging from £10,000 to £30,000 depending on insurer). No need to specify items worth less than £2,000 and you can cover individual items worth up to £15,000.

Optional Extras:


Here are a few commonly asked questions about Buildings and Contents Insurance:

What sort of Home Insurance do I need?

Buildings Insurance covers the entire structure of your home, including roofs, walls, fences, hedges and gates. Most mortgage lenders require Buildings Insurance as part of the lending agreement.

If you do not own your property then you cannot insure it, however you may wish to purchase Contents Insurance which covers your belongings and valuables in your home.

If you need to purchase combined insurance then it is often better to buy them together in one single policy rather than as separate cover; insurers offer the best value deals to those that do and it also keeps things nice and simple if you need advice or have to make a claim.

Why choose Policy Expert?

  • We are rated the UK’s Number 1 Home Insurance provider!
  • We have a UK-based customer service and claims team
  • We provide online access to all of your policy documents
  • There are no hidden fees – what you see is what you get
  • All of our policies are written in Plain English, not insurance jargon
  • We can fix your price for two years

What you'll need to run a quote

  • Your address (type of property, roughly when it was built, number of rooms)
  • General information about your property such as the types of locks used
  • Who lives there, and when are people typically at home
  • How much would it cost to rebuild (we’ll suggest a figure based on your postcode)

Home Insurance Service Reviews

86%
average customer rating for our claims
(from 4,176 reviews
5 4/5 No problems
No problems. All straight forward.

5 5/5 Process of starting new policy was …
Process of starting new policy was quick & easy

5 5/5 easy transaction
easy transaction, documents came through straight away thankyou

5 5/5 Excellent service they answered all my …
Excellent service they answered all my question relating to my home building and contents insurance and overall came out the cheapest

5 5/5 The representative was extremely freindly, helpful and polite
The representative was extremely friendly, helpful and polite whilst keeping a professional manner. I would not hesitate to recommend to friends and family
...more

5 5/5 Very competitive prices with excellent …
Very competitive prices with excellent customer service from friendly experienced advisors.

5 5/5 A great service with very competitive …
A great service with very competitive quotes. This site cuts out the wasted time of going from one individual insurance site to another. It's just enter your details once and whoosh !! there are enough quotes for you to browse the day away.
...more

5 5/5 Professional service
Professional service

5 5/5 Faultless process!
From clicking 'Select provider' on Comparethemarket.com to receiving my documents by email must have taken no more than 15 mins! It was so easy and straightforward with no complicated jargon or wondering if I was missing something from the house and contents insurance, completely faultless process! I can't tell you what they are like to put a claim through because I haven't yet and hoping never to but if its anything like buying it...it will be a breeze!!
...more

5 5/5 Excellent customer service received
Excellent customer service received and a very easy, hassle-free renewal process. Thank you.

5 4/5 House insurance.
As with all insurance companies, when you call they try to sell you add-ons and additional services but the policy looks good value for money and the staff are polite.
...more

5 5/5 A professional, realistic approach
A professional approach - I like the printed summary of my replies to policy questions, which avoids misunderstandings in the event of a claim. There was a flexible response to my query regarding the overall renewal quote, and I like to have it held constant for two years - a major advantage in these inflationary times. I would not hesitate to recommend this insurer to any of my friends - I think they will be pleasantly surprised!
...more

5 4/5 Good service from your team
Good service from your team

5 5/5 Positive experience
Quick, easy and efficient service, I was insured within minutes and all conducted discreetly whilst holding a conversation! Extremely impressed and looking forward to a year of worry free insurance cover!
...more

5 4/5 why can you not offer us the best price …
why can you not offer us the best price to renew our insurance the first time instead of charging a lot higher then we threaten to leave boom in comes the lower offer then we are told to be loyal works both ways
...more

5 4/5 Amazing
Have saved us loads of money a month and had no hassle in changing supplier xx

5 4/5 Third year running with policy …
Third year running with policy expert... excellent service and easy on the price.

5 5/5 EXPERT GREAT TITLE
Quick and clear.precise service and a pleasant assistant who was most helpful.Will be calling on the company again for further deals.

5 5/5 Excellent service
Excellent service. Everything I needed in the policy at a very good price.

5 5/5 Very easy to set up
Very easy to set up. Would us again x

Home Insurance Claims Reviews

96%
average customer rating for our claims
(from 25 reviews 1)
5 5/5 First Class!

I would like to thank you for your communication with me over this claim.
I think the attention you have paid to my claim has been first class.
Thank you again

...more
5 5/5 A personal thank you…

Just a short note to say a personal thank you for your prompt attention to my claim.
I am impressed by the willing attention to all matters leading to a prompt conclusion. Funds received today!

...more
5 5/5 The service was outstanding

The service was outstanding from reporting the issue to resolving it last night. Can’t thank you enough.

5 5/5 Wow!

Wow! I’m so impressed! I never imagined this would be so straight forward, thank you so much for brilliant service

4 4/5 Quick response

This has been a very traumatic time which has been made easier with your quick response and efficiency. I really can’t thank you enough

5 5/5 Swift help and concern

Thank you for your swift help and concern, I really appreciates it and have been with this insurance for a few years and I’m pleased with everything that’s been dealt with

...more
4 4/5 We can not thank you enough

We can not thank you enough for all your assistance and help

5 5/5 Policy Expert will always look after us

We want to thank Roy and all others at Trinity Claims Team who may be involved for the excellent service which we have received throughout the process of our claim.

There has been common sense, politeness, good will and fairness all the way.
And it has been carried out with speed too. Many many thanks.

Our house is now back to normal and we feel confident that Policy Expert will always look after us.

...more
5 5/5 First ever claim

I’d also like to take this chance to say how overwhelmed I am with the speed with which you have dealt with my claim and the extraordinary level of customer service offered to me. This is the first time I’ve had to claim on my insurance and I’d like to say a special thank you to yourself, Toby and Alexia for making this process so much easier than I thought it would be.

...more
4 4/5 Friendly and efficient

Just wanted to say thank you for your friendly and efficient handling our call this morning following our fire.
It was a frightening experience for us but you certainly helped.
Once again, thank you

...more
5 5/5 Polite, helpful and understanding

I would also like to take this opportunity to express my gratitude for the service I have received from you and your team.

On every occasion that I spoke to people they were all polite, helpful and understanding. This has made the difficult event I have had to experience a little easier to deal with

...more
4 4/5 Such a smooth process

I’m really pleased with how easy and smooth the entire process has been. When I come across a company like yours and I do get good customer service, it’s a surprise and a pleasure

...more
5 5/5 Good working practice

Once again I am staggered by your efficiency and good working practice. You may not appreciate just how reassuring it is to feel your insurance company is doing its best to help.
I have passed on your details for when it is time for them to re-new their policy.
Us alike will, because of the way this claim has been handled re-new our policy with you and perhaps look into changing some of our other policies.

...more
5 5/5 Thank you

Thank you for all your help with our claim. You have helped to minimize the stress and sadness this incident has caused.

Many thanks for all your time and understanding on all of this, and thank you for understanding the situation and working so hard on our behalf

...more
5 5/5 Our first insurance claim in 47 years of marriage

Thank you and your colleagues for assisting my claim . Yesterday Martindales installed replacement doors to our satisfaction we have been well supported by your company and in particular the staff throughout our claim. This is our first insurance claim in 47 years of marriage, we thank you all for your care and attention and hope to keep claim free in the future.

...more
more reviews

Home Insurance guides

Protecting yourself with Property Insurance

Whether your property is damaged by floods or fire or if your possessions are stolen, your property insurance should see you back to normal.

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.

New Build Home Insurance

New build homes are often more energy efficient, and have brand new kitchens, bathrooms, carpets and have the latest in hi-tech specifications.

House Insurance Rebuild Costs

Whether you have a mortgage or own your home outright, it's vital that you financially protect yourself against damage occurring to the building.

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.

Working from home and home insurance

What sort of insurance do you need if you work from home? And what might you need to add to your existing cover to take into account what you do?

Optional Extras:

Home Emergency

Home Emergency

Boiler broken down? No running water? This cover aims to get an approved tradesperson to you within 2 hours.

Cycle Cover

Cycle Cover

Extends your contents cover to include bicycles away from home or worldwide with Extended Bicycle Cover.