Compare Home Insurance
Find the right buildings and contents cover at the best price. Compare quotes from leading UK home insurers — free and no obligation.
Your home is likely the most valuable thing you own, yet many homeowners let their insurance auto-renew year after year without checking whether they could get better cover for less. Premiums vary significantly between insurers for identical properties, so comparing quotes is one of the simplest ways to save. Whether you need buildings cover, contents cover or both, SaveCompare lets you see what's available from top UK providers.
Buildings Insurance
Protect the physical structure of your home — walls, roof, floors, fitted kitchens and permanent fixtures — against fire, storms, floods and subsidence.
Compare buildings insurance →Contents Insurance
Cover your personal belongings — furniture, electronics, jewellery and valuables — against theft, fire, water damage and accidental loss.
Compare contents insurance →Home insurance explained: what you need to know
Home insurance comes in two main parts. Buildings insurance covers the permanent structure of your property — the walls, roof, floors, windows, doors, fitted kitchen and bathroom. It protects against damage caused by events like fire, storms, flooding, subsidence and escape of water. If you have a mortgage, your lender will almost certainly require you to have buildings insurance as a condition of the loan.
Contents insurance covers everything inside your home that you would take with you if you moved — furniture, electronics, clothing, jewellery, artwork and other personal possessions. It protects against theft, fire, water damage and, if you add it, accidental damage. Contents cover is optional but strongly recommended. Replacing the contents of an average UK home would cost over £35,000.
Most insurers offer combined buildings and contents policies, which are usually cheaper than buying the two separately. When comparing, pay attention to the sum insured (rebuild cost for buildings, total value for contents), the excess amount, and any exclusions. Check whether accidental damage is included or an optional extra.
Your premium is influenced by factors including your postcode, property type, rebuild cost, claims history, security features and the level of cover you choose. Properties in flood-risk areas or with a history of subsidence will pay more. Installing approved locks, alarms and CCTV can reduce your premium.
The FCA's loyalty pricing ban, introduced in 2022, means insurers can no longer charge existing customers more than new customers for equivalent cover. However, prices still vary enormously between providers, making comparison essential. Many homeowners save £100 or more simply by getting quotes from multiple insurers before their renewal date.
If you rent your home, your landlord is responsible for buildings insurance. But their policy won't cover your belongings — you'll need your own contents insurance for that. Tenants' contents insurance is typically cheaper than homeowner policies and well worth having.
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Aviva Direct Line Admiral LV= More Than ChurchillThree steps to better home insurance
Why comparing matters
Average annual premium
The average combined buildings and contents insurance policy costs around £310 per year in the UK. Prices vary widely by location and property type.
Auto-renew without comparing
Over half of UK homeowners auto-renew their home insurance without checking what else is available, potentially missing out on significant savings.
Typical saving by switching
Homeowners who compare and switch save an average of £130 per year on their home insurance premium.
Average contents value
The average UK household has over £35,000 worth of contents. Without insurance, replacing everything after a fire or burglary would be devastating.
Home insurance FAQs
Buildings insurance covers the physical structure of your home — walls, roof, floors, fitted kitchens, bathrooms and permanent fixtures. It protects against damage from fire, storms, floods and subsidence. Contents insurance covers your personal belongings inside the home — furniture, electronics, clothing, jewellery and valuables. Most homeowners need both, and buying them as a combined policy is usually cheaper.
If you rent, your landlord is responsible for buildings insurance. However, their policy won't cover your personal belongings. Contents insurance is strongly recommended for renters to protect your furniture, electronics, clothing and valuables against theft, fire or water damage. Tenants' contents insurance is typically cheaper than homeowner policies.
The average combined buildings and contents insurance policy costs around £310 per year in the UK, but prices vary significantly depending on your location, property type, rebuild cost, level of cover and claims history. Comparing quotes can save you £130 or more — especially if you've been auto-renewing with the same insurer.
Not automatically. Accidental damage cover is an optional extra on most home insurance policies. Without it, you're only covered for specific named perils like fire, theft and storm damage. Adding accidental damage cover protects you against everyday mishaps like spilling wine on a carpet, drilling through a pipe, or a child breaking a window. It typically adds £20–40 per year to your premium.