Home insurance

Home customers saved an average of £98 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)

Four 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

£600,000

£600,000

£1,000,000

£1,000,000

Contents

£60,000

£60,000

£75,000

£100,000

Home emergency

Legal expenses

Alternative accommodation

£50,000

£75,000

£100,000

£150,000

Property owners liability

£1,000,000

£2,000,000

£2,000,000

£5,000,000

Our Basic product is only available on price comparison sites.

To see the full details of what's included in each product, get a quote.

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.

Home emergency

Legal expenses

Key cover

Cycle cover

Accidental damage

Away from home

People love what we do...

I am very happy with Policy Expert

I am very happy with Policy Expert, their customer service is excellent and I have had my home insurance with them for the last 6 years.

Stephen - March 2026

Very good home insurance cover

Very good home insurance cover at competitive rates. Simple to renew, I had no changes, some others came in close but looking at the small print, Policy Expert was better.

Customer - March 2026

Recent claim handled with speed

When I had to make a claim recently you handled it with exceptional speed. The contractors worked to a high standard. I was kept informed by yourselves and your contractors every step of the way!

Michelle - March 2026

No massive increase in premium

No massive increase in premium, in fact it's £1 less than last year! No other insurance company has ever decreased a premium or kept it the same before, even after a claim was made last year!

KC - March 2026