Compare home insurance - contents insurance and buildings insurance (and both combined).
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Ideal for:
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platforms who want:
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Contents and buildings insurance (together called home insurance) is super important, for both renters and homeowners. If you’re a homeowner, you’ll likely want both, and if you’re renting you’ll want content insurance (that’s designed for renters).
Luckily, home insurance isn’t too expensive, but it’s still worth shopping around every year, you’ll likely be surprised by how much you can save.
Use the home insurance comparison tool above to compare home insurance providers, both contents insurance and buildings insurance providers, and our best picks of the comparison sites.
And if you’re not sure what all the above means, here’s it all explained, and a bit more about home insurance.
This is for you if your primary concern is getting the very lowest cost. You might not be concerned with things like a low excess (how much you pay yourself if you make a claim), and any other extras (like individually insuring one off expensive items).
This is where you’re more focused on getting the very best coverage (amount of insurance) for you and your contents and home, rather than the very lowest price. This might be more specialist insurers depending on your personal circumstances and possessions.
Contents insurance is insuring the things inside your home, your possessions such as your furniture, and depending on the policy, things like your phone, your bike, and even your wallpaper. Basically, if you turned your house upside down, anything that would fall out can be covered by contents insurance.
If you’re a renter, you’ll only want contents insurance, you don’t need to insure the building, your landlord will do that.
Buildings insurance is insuring the building itself, so the building structure (like the roof and bricks). Nothing inside is typically covered. Pretty much every home needs building insurance as it’s often required in order to get a mortgage.
This is of course both contents insurance and buildings insurance packaged together, so you can both in one go. And it can be cheaper than getting it individually (but not always).
For contents insurance, your possessions can also be covered when you’re outside the home too (if you get the right policy). That means your bike can be covered, your mobile phone, cash, headphones, and any other belongings you take with you. It’s pretty reassuring, right?
If you’re living in rented accommodation, you’ll likely want contents insurance, which you’ll need to arrange yourself. This filter shows contents insurance providers that cover renters, not just homeowners.
It’s a great idea to compare quotes when shopping for insurance, to make sure you’re getting a good deal, and that’s true for both contents and buildings insurance too.
With contents insurance, it often runs monthly rather than yearly, so once you find a good deal, you don’t need to keep shopping around every year (although it’s a good idea to get a new quote here and there). But you can get it annually too.
With buildings insurance, it’s normally annually, so it’s a very good idea to shop around for a new quote every year.
It’s super easy to compare quotes. All you need to do is use our table above to find an option you like, and then click through to their website. After that, enter in a few details about your home, and the insurance cover you’d like (such as out of the home), and then like magic, you’ll get a quote.
You can often buy online there and then, and be all sorted in around 10 minutes.
Christopher Dowling combines a communications degree with over 10 years experience in the financial services industry in London – with focus on educating people on a wide range of money topics in an easy to understand way. He writes about savings, investing, pensions, mortgages, insurance, banking, loans, business finance and other money topics.
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