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Home insurance

Home customers saved an average of £84 when they joined us*

Home insurance for people like you

The kind of home
insurance you want

Making a claim under both Buildings & Contents? You'll only pay one policy excess.

An online portal that lets you manage your policy 24/7.

A claims service that can pay you direct to cover the cost of replacing items.

A range of flexible add-ons available. (More info)

Three cover levels to suit your needs and budget.

Speak to real people about your policy in our UK-based call centre.

Take your pick

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)

£15,000

£15,000

£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

£400

£500

£750

Property owners liability

£2,000,000

£2,000,000

£5,000,000

Replacement locks or keys

£300

£500

£1,000

Legal Expenses Select

Home Emergency Select

Policy wording

Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.

Policy wording

Create cover that suits 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

Home Emergency cover is there for you if you're experiencing an emergency - a sudden, unexpected event which leaves your home unsafe or not secure, or which leaves you without essential services, like heating or a working toilet.

If you have Home Emergency Cover, we'll arrange for a contractor to come and put in place a temporary repair during the emergency, to keep you and your home safe.

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.

Read more about our Home Emergency cover

Home emergency

Legal expenses

Key cover

Cycle cover

Accidental damage

Away from home

People love what we do...

I had a flood in my house which was dealt with extremely professionally

I had a flood in my house and with one phone call , Policy Expert had organised a team to come to the house and start organising repairs. This all happened within 24 hours. There were no lengthy conversations requiring paperwork and policy details. The customer service were extremely polite, professional and reassuring. The cost of my yearly policy is the lowest on the market and I am very pleased with their service.

Mark - December 2025

Brilliant Experience you can talk to a human

Firstly, I was able to speak to a real person who was very helpful and reduced the premium I had been quoted by Direct Line from £570 to £273 the numbers speak for themselves! I would not hesistate to recommend this company.

Customer - December 2025

Izzy put my mind at rest immediately

Izzy put my mind at rest immediately as I had to extend my end date of cover by 2 days due to completion of my house sale being delayed. She was so pleasant , friendly and professional. Thank you.

Susan - December 2025

5 star experience

It was simple and easy to purchase a new building and contents insurance policy with policy expert. The process was plain and simple and took me less than 5 minutes, gaining all the cover I needed. The email confirming my policy documents was in my inbox within seconds of the purchase. Would highly recommend to anyone.

Michael - November 2025