Home insurance
Home customers saved an average of £98 when they joined us*

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 wordingCreate 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
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