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Compare home insurance & building insurance quotes

Get a quote in minutes and you could pay £137.32 or less for home insurance*

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*51% of customers received a quote of £137.32 or less for Home insurance between July and September 2020, when using our journey via Confused.com

Why you should consider home insurance

It's a good idea to protect your home and the items within it by buying a home insurance policy. That's because the cost of rebuilding your home after a fire or flood would be more than most people could afford.

Also, the items within your home, including furniture, clothes, gadgets and fixtures and fittings, can be costly to replace if they're stolen or damaged. Most people underestimate the value of their belongings, and the potential bill if they needed to buy everything new again.

Different home and contents insurance companies will provide different levels of cover. So the cheapest home and contents insurance may not be the best cover for you.

How does it work?

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Find the home insurance that’s right for you by exploring our best deals.

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Find home insurance cover that’s right for you

Thatched Roof Property Insurance

Home insurance for thatched property can be more expensive due to the increased possibility of damage that having a thatched roof brings. However, it's still possible to find affordable cover.

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Home Insurance - Compare Cheap Quotes

Compare the cost of home and contents insurance with our comparison tool and protect your house or flat today. Compare and switch home and contents insurance with Uswitch using our simple, speedy and impartial comparison tool. Find cheap insurance policies in minutes.

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Contents Insurance - Compare Cheap Quotes

Compare the cost of home and contents insurance with our comparison tool and protect your house or flat today. Compare and switch home and contents insurance with Uswitch using our simple, speedy and impartial comparison tool. Find cheap insurance policies in minutes.

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Compare Overseas Property Insurance

If you own a property overseas, protect your investment with an overseas property insurance policy, even if you rent out the property regularly. Compare the best insurance policies here.

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Listed Building Insurance

Having a listed home can make finding a cheap home insurance cover policy challenging, though specialist listed buildings insurance may be an option. Find the best listed building insurance policies here.

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Mortgages for new build homes

Buildings Insurance - Get a cheap building insurance quote

Find and compare building insurance online in just a few minutes. Find the best building insurance policy for your needs and compare cover and prices.

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Contents Insurance For Tenants

Contents insurance for tenants can protect your belongings from theft, fire or damage whilst you’re renting a property. Compare quotes to find the best tenants insurance for you.

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Unlimited home Insurance

Protecting your home with an unlimited home insurance policy means, there'll be no limit to the payout you can receive, if you make a claim on your buildings insurance.

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Flood Insurance - Get a Home Insurance for Flood Risk Areas

The right flood insurance policy can cover the cost of replacing items, making repairs and even rebuilding your home. Find your home insurance policy for flood risk areas here.

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Underpinned House Insurance - Covers for underpinned properties

Underpinning is the process by which the foundation of a house is strengthened or reinforced to make it more secure. Underpinned house insurance is considered specialist insurance because insurers see underpinned houses as high risk and costly to repair.

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Compare musical instrument insurance

You can protect your musical instrument from theft, loss or damage as well as yourself if you are a professional performer. Compare the best musical instrument insurance policies here.

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Subsidence Insurance - Covers for Subsidence properties

Subsidence affects the structure of a property, by shifting the building downwards as a result of changes to the ground. Compare specialist home insurance and non-standard home insurance to get subsidence quotes, and find out ways to prevent too much damage if it were to occur.

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Buildings cover

Buildings insurance cover protects the structure of your home and provides insurance against fire, flood, subsidence and the cost of rebuilding. It only covers the bricks and mortar of your home, not the contents.

  • You don't need to calculate the cost of rebuilding your home – your insurer will be able to do that for you

  • You only need buildings insurance cover if you own the property, not if you rent it or are a tenant


Remember...

Buildings insurance is usually required if you have a mortgage. Your buildings insurance company will calculate the rebuild value of your house, as opposed to its market value.

How do I get cheap home insurance quotes?

Different insurers will offer different prices for home insurance cover. If you have a standard-built home with no particular risk factors (such as being near a river or being affected by subsidence) then you will find a variety of different quotes from home insurance providers.

If you have more specialist needs – for example if your home is thatched, an unusual construction, is at risk of flood, or is large with a lot of rooms and value items, then you may need to find a specialist insurer to cover your property.

The first step is to compare home insurance quotes using our comparison tool. That way, you will get an idea of the potential cost of your home insurance premium and can find out if you will get a better deal and more comprehensive insurance coverage by going to a specialist insurer.

Other ways which can help

Compare prices: By shopping around, you can find the best deals and work out which is the best home insurance for you. Your decision should be make on the cover you need, not just the lowest monthly premium.

Increase your excess: Home insurance pays out an agreed amount when you make a claim. If you do need to make a home insurance claim you may have to meet a small amount of the cost yourself, known as the excess. The bigger your excess, the lower your premium is likely to be.

Fit good quality locks to windows and doors: By improving your security and making a break-in less likely, you will be seen as a lower risk in the eyes of the insurance company.

Check out combined deals: Sometimes getting home contents and buildings insurance together can work out cheaper.

Try to build up a no-claims bonus: You're likely to be offered a lower premium if you have not made previous claims. If you have a larger excess, it's also probably not worth making a lot of smaller claims on your home insurance policy.

Contents Cover

Contents Insurance cover protects your possessions within the home, and also in garages and outbuildings if you choose to include these within the scope of the policy.

  • Contents insurance is not compulsory but is a good idea as the cost of replacing your possessions if they were stolen or destroyed in a fire could be very high.

  • Some insurers provide a checklist so you can go through your possessions and estimate or check their value.

  • To calculate the value of your contents, go from room to room and make a list of what you own and how much it is worth.

Remember...

Keep receipts for high value items as you will need evidence of the amount you paid for them if you need to make a home insurance claim in the future.


Explore our guides

Find in-depth information on everything you need to know about comparing home insurance and switching your cover.

See our guides

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Contents Insurance - Compare Cheap Quotes

Compare the cost of home and contents insurance with our comparison tool and protect your house or flat today. Compare and switch home and contents insurance with Uswitch using our simple, speedy and impartial comparison tool. Find cheap insurance policies in minutes.

Learn more
Mortgages for new build homes

Buildings Insurance - Get a cheap building insurance quote

Find and compare building insurance online in just a few minutes. Find the best building insurance policy for your needs and compare cover and prices.

Learn more
How to Calculate Home Insurance Costs

How to Calculate Home Insurance Costs

Looking to find out how much would home insurance cost for your property? Read our guide and decide how much cover your home needs.

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Shed and garage insurance

Shed and garage insurance

Are the contents of your shed or garage covered under your home insurance policy? Read our guide to find out how to protect and insure your outbuildings, with shed and garage contents insurance.

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Home insurance accidental damage cover

Home & Contents Insurance Accidental Damage Cover

Home insurance that includes additional accidental damage insures the policyholder's possessions against spillages and breakages at home.

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Compare home insurance & building insurance quotes

Home Insurance comparison is provided by Confused.com which is a trading name of Inspop.com Limited who are authorised and regulated by the Financial Conduct Authority. Registered office; Greyfriars House, Greyfriars Road, Cardiff, CF10 3AL, registered in England and Wales 03857130. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy. Uswitch is an intermediary and receives a percentage of the commission if you decide to buy through us.