Home insurance

89% of home customers saved an average of £95 when they joined us*

Home insurance for people like you

The kind of home
insurance you want

Prices and cover
that mean 88% of our customers stay every year**

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

We’re rated No.1
for Home Insurance on Reviewcentre.com***

Take your pick

Buildings insurance sum covered

£600,000

Contents insurance sum covered

£60,000

New for old cover as standard

Alternative accommodation (buildings)

Up to £75,000

Alternative accommodation (contents)

£10,000

Credit cards in and away from home

£1,000

Personal money in the home

£250

Deep freezer contents

£300

Property owners liability

£2,000,000

Replacement locks or keys

£300

Legal Expenses Select

Home Emergency Select

Buildings insurance sum covered

£1,000,000

Contents insurance sum covered

£75,000

New for old cover as standard

Alternative accommodation (buildings)

Up to £100,000

Alternative accommodation (contents)

£10,000

Credit cards in and away from home

£1,000

Personal money in the home

£250

Deep freezer contents

£500

Property owners liability

£2,000,000

Replacement locks or keys

£500

Legal Expenses Select

Home Emergency Select

Buildings insurance sum covered

£1,000,000

Contents insurance sum covered

£100,000

New for old cover as standard

Alternative accommodation (buildings)

Up to £150,000

Alternative accommodation (contents)

£25,000

Credit cards in and away from home

£1,000

Personal money in the home

£1,000

Deep freezer contents

£750

Property owners liability

£5,000,000

Replacement locks or keys

£1,000

Legal Expenses Select

Home Emergency Select

Understand exactly what you’re covered for

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...

Brilliant customer service

Good value policy with great customer service. Unfortunately had a claim last year when a lorry damaged our property, but Policy Expert quickly sorted it out.

Mr P Windows - 20/03/2024

No problems with claims

Great company - paid out my carpet claim with no problem.

Joan Malyon - 20/03/2024

Efficient claims process

I made one claim for damage to a shower room a few years back which was dealt with efficiently. This year I auto renewed as I could not find a more competitive deal elsewhere. When I have contacted the staff they have always been very knowledgeable, helpful and polite.

Eileen B - 03/04/2024

Outstanding service

We recently had a burst in the boiler in the loft affecting a bedroom and lounge. The response from Policy Expert was outstanding... Excellent service from start to finish. Highly recommended.

Ruth Lambert - 13/03/2024