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

85%
average customer rating for our claims
(from 3,780 reviews
5 5/5 Policy Expert Home Insurance
Came up the most cost effective on comparison site 2 years ago and premium has gone down twice since then. Not had a claim yet but I must say the renewal process and customer service experience so far has been very good and efficient. No complaints.
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5 5/5 house
The lady I spoke to ( cant remember her name) was really helpful and efficient, quick email and good I could sign agreement onlne overall good experience Thanks you
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5 5/5 Plain sailing
I recently opted to renew with Policy Expert. I did have a look on a comparison website to see how the renewal price compared, and with all the extras it came ouy on top. The phone operative was helpful. No complaints! I haven't had to make a claim so cannot comment on that side of things but so far so highly recommended!
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5 4/5 easy to set up.
easy to set up.

5 5/5 Easy to get a quote
It was easy to use he was is easy to talk to and understood everything I needed

5 4/5 down to earth and honest
several dealings with PE, including renewal. Have found them to be down to earth, direct and decent people to deal with . No complaints so far.

5 4/5 Home Insurance
We have just taken out Buildings and Contents Insurance with Policy Expert. We chose them because they were the cheapest company that gave the most cover and extras that you normally have to pay for were included in the price.
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5 5/5 no hassle,
Adam was so helpful , friendly and not pushee , got good service and happy with what i paid

5 5/5 comment
first class service. very satisfied.

5 5/5 My Home Insurance
Having had to make a claim against my insurance I found Policy Expert to be very helpful and made everything so simple. From my first phone call to receiving payment was an easy experience, so a big thanks to Policy Expert.
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5 5/5 Well done!
A prompt and courteous service. Thank you.

5 5/5 Great price for a great cover.
Best and cheapest quote I found. Great cover for a great price.

5 5/5 Building and Contents combined insurance
Excellent cover for the price

5 5/5 Great service
Excellent communication from notification of claim to payment.

5 5/5 Efficient service with a claim
Unfortunately I had to make a claim first in 30+ years and all steps were very easy the way the insurance company dealt with it Very helpful and friendly staff start to finish and very speedy processing to payment Thanks again
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5 5/5 Recent claim
A quick and easy process which resulted in a fast response and settlement of my claim.

5 5/5 Courteous
My washing cought fire and from the time I contacted Policy Expert and until the issue was solved I received a decent response and waiting time. I was kept informed of the process and it was supportive and efficient throughout. I particularly found Mr Nick Stanley helpful who expedited the claim accordingly and kept me informed. I expected to feel guilty for making a claim but he put things in perspective and the process was smooth and straightforward. I was happy with the procedure and service. Good customer relations.
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5 5/5 Very easy to deal with customer service
I had to make a claim for liability cover after having an accident on my bicycle. The claim was very easy to initiate and within days was resolved. I would highly recommend Policy Expert and I'll be using them again come renewal time.
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5 4/5 Fast and easy
Simple and straightforward. They use a 3rd party for the monthly payments so you sign up to a financial agreement.

5 5/5 House and contents insurance
So fat excellent service

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.

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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

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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.