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*Based on data provided by Consumer Intelligence Ltd, (April '22). 51% of home insurance customers could save £150.18 on a combined policy.

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What is home insurance?

Home insurance, also called house insurance, is a type of insurance used to protect your home. There are two types of home insurance:

Home buildings insurance - covers the structure and potential rebuild of your property.

Home contents insurance - insures your furniture, fixtures and fittings and belongings inside your house or flat.

Combined home and content insurance

You can buy building insurance and home contents insurance separately.

You can also buy them together in a single home insurance policy to protect your house. This is often called ‘home and contents’ insurance, buildings and contents insurance, or home and building insurance.

As long as your premium is paid on time each month your home will be covered for insurance risks such as fire, flood, subsidence, theft and other emergencies.

How does it work?

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

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Start saving money and apply with your chosen provider.

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Why you should consider home insurance

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

Most people underestimate the value of their belongings, and the potential cost to buy everything new again, if they're stolen or damaged.

It's important to shop around for the best quotes. The cheapest home and contents insurance may not be the best cover for you.

Find home insurance cover that’s right for you

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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. 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.

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.

Compare Holiday Home Insurance

Having a second home to holiday in is a dream for many people. If you have a holiday home in the UK, or abroad, it’s worthwhile looking for the best holiday home insurance to cover you year-round, both for when you are staying there, and when the property is empty.

Compare student content insurance

If you’re leaving home for the first time, there’ll be an ever growing list of things to do. Finding cheap student content insurance quotes, should be a key item on your list to consider.

High Net Worth Insurance - Get a High Value Home Insurance Quote

High value insurance is designed to provide insurance to those who have valuable possessions or homes that require specialist policies.

Compare Second Home Insurance

If you own a second home, managing two properties might seem like a copy and paste process. However, elements from the building structure, to security features, will require you to get new home insurance quotes and compare policies for your second home/unoccupied house insurance.

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.

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.

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.

Compare holiday let insurance

If you have a holiday home in the UK, or abroad that you let out, it’s worthwhile looking for the best holiday let insurance to cover you year-round, whether the house is empty, or occupied.

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.

Non Standard Home Insurance - Covers for non-standard properties and constructions

Home insurance for non-standard properties covers the cost of repairing or rebuilding your non standard home if it incurs any minor or serious damage.

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.

Flat Roof Insurance - Get a flat roof insurance quote

Flat roof insurance will provide you with the necessary insurance to cover your roof should anything happen to it. Find your flat roof insurance quote here.

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.

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.

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.

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.

Compare Renovations Insurance

Home renovations have become a great way to update your house or even increase the value of your home. With ‘how to’ YouTube videos, anything seems possible. So it’s important to make sure your home insurance covers for any DIY or building work.

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Home insurance - 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


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

Standard-built home

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.

Specialist needs

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.

Home insurance - 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.

Compare Contents Insurance

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.

Top tips for home insurance quotes

Compare prices

Shop around for the best deals. Work out which is the best home insurance for you, not just the lowest monthly premium.

Increase your excess

If you need to make a home insurance claim you may have to pay a small amount, known as the excess. The bigger your excess, the lower your premium is likely to be.

Fit good quality locks to windows and doors

Fit good quality locks to windows and doors: Improve your security to make 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.

What is home insurance?

Home insurance will cover you if something happens to your home or its contents. Read our guide to find the best home insurance for you and compare cheap home insurance quotes.

Home Insurance Renewal

Can you save money on your home insurance renewal? Read our guide and learn how to save by switching.

Do I need pet insurance

Pet insurance can give you peace of mind and protection for your pet against unexpected vet bills, illness or accidents.

Insuring your bike on your home insurance

Learn about whether you should get extra home insurance cover for your bike as part of your home contents insurance, or search for specialist bicycle insurance to cover your two wheels.

Compare home insurance & building insurance quotes

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