Home insurance

Home customers saved an average of £79 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.

Home emergency

Legal expenses

Key cover

Cycle cover

Accidental damage

Away from home

People love what we do...

My renewal has increased by a couple of pounds only

My renewal has increased by a couple of pounds only. They are so easy to deal with, and I have every confidence in recommending them. The communication is well informed over the internet and by phone. Very happy customer.

Lynda Potter - 27/08/2025

Home insurance was easy to understand

Home Insurance quotation was easy to understand and is both excellent value for money and provides great cover.

David Thomas - 08/09/2025

Good deals and clear guidance

Good deals and clear guidance. I have used them for my home insurance for almost 10 years now.

Yasser Bhatti - 03/09/2025

Policy Expert have made renewing my home insurance so easy

Policy Expert have made renewing my home insurance so easy starting with a reduced renewals quote! (Something you don’t always get these days) Through my online account it was straightforward to click renew and receive the same standard of cover and its benefits as last year!

Mr P Shropshire - 08/09/2025