Home insurance
Home customers saved an average of £79 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)
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 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...
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