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

90%
average customer rating for our service
(from 6,075 reviews)
5 4/5 clear and quick service
clear and quick service

5 5/5 Policy Renewal
I wanted to renew my policy and I managed to do so with ease. I have been with Policy Expert for 3 years now and find their customer service superb. Many thanks.
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5 5/5 I had never heard of Policy Expert - give them a go!
I found Policy Expert on Gocompare - very happy with the services, their portal is easy to navigate. So far, I am a happy customer!

5 5/5 Excellent service
Excellent service. I found the telephone call i made to Policy Expert easy. I talked through my policy with your expert. All of the advice and guidance was clear and in a language I could understand. I continue to have my Buildings Insurance with you. I would recommed your company to my friends.
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5 5/5 Good Service when I switched over from …
Good Service when I switched over from Privilege but lets wait and see if the price hikes up next year when I'm not a new customer

5 4/5 Cannot fault them
Cannot fault them yet, although I only took my policy out yesterday. Miles cheaper than any other company and still offer more benefits than the rest. Highly recommended
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5 5/5 Great home insurance.
Great home insurance.

5 5/5 Easy renewal
Easy renewal. Comparable pricing given my requirements so need to change companies for once😀. Needed clarification of pricing for adding individual items, call centre staff dealt with items and improved my cover without being asked. Well done all
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5 4/5 Great company
Easy to deal with and very competitive

5 5/5 Highly recommend
A very helpful and patient sales person. She didn't sound bored or like she was just going through the script on the phone with me. Got a good price even after I made several changes. I would definitely recommend them.
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5 5/5 Were very helpful with some issues and …
Were very helpful with some issues and queries I had. Also were willing to negiotiate to try to get you as customer

5 5/5 Good company cheapest price !!
Good company cheapest price !!

5 5/5 Fantastic price
Fantastic price - covered everything one needs to be covered! for very little price! Great service so far!

5 5/5 Excellent
Excellent - very quick and simple to purchase and very reasonably priced. Happy to recommend.

5 5/5 Very good value for money especially …
Very good value for money especially with free legal and home emergency for one year. Very pleased with my purchase and I will have no hesitation in recommending them to my friend.
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5 5/5 clear explanation of policy and helpful …
clear explanation of policy and helpful advice. Reasonable premium paid and all requests covered

5 4/5 Have given a good renewal price for the …
Have given a good renewal price for the same policy negotiated for the past 2 years so very happy to continue with policy expert

5 5/5 All went well and got a good deal with …
All went well and got a good deal with no problems.

5 5/5 My renewal quote was more expensive but....
My renewal quote was more expensive than another provider, so it was recommended I phone for a new quote. The call handler was brilliant and pretty much matched my cheapest quote.
...more

5 5/5 Easy process and sound advice
Easy process and sound advice. I felt the support I received was helpful and the advice regarding what aspects of cover meant helpful in my understanding of what I was buying. Great staff on the phones - very happy overall
...more

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!

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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.

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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

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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.

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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.