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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
We've reviewed Coverbaloo's standard home insurance policy.
You can buy directly from its website or over the phone; Coverbaloo policies do not appear on price comparison websites.
As well as home insurance, Coverbaloo also offers travel insurance. It's part of Cavere Group Limited.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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Coverbaloo’s policy earned mediocre scores
Policies
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed Coverbaloo's standard home insurance policy. Take a look at what it offers and what it scored.
| Buildings - Alternative accommodation | £200,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £250 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £2,500 | |
| Contents - Alternative accommodation | £20,000 | |
| Contents - Accidental damage | Optional extra with some cover included as standard | |
| Contents - Guests' belongings | £1,000 | |
| Contents - Theft of contents in the open | £2,000 | |
| Contents - Damage to contents in the open | £2,000 | |
| Contents - Theft from outbuilding | £3,000 | |
| Contents - Damage to contents in an outbuilding | £100,000 | |
| Contents - Personal possessions cover single item limit | £2,500 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Dean Sobers, Which? home insurance expert, says:
Coverbaloo’s standard policy landed towards the top of the bottom 40% of policies we looked at. Its buildings score of 68% and contents score of 67% weren’t awful, and the policy didn’t lack anything we thought crucial. But it was hardly a standout, either.
We liked that Coverbaloo’s buildings policy pays up to £200,000 for alternative accommodation (rental costs if you have to live elsewhere because your home is uninhabitable during a claim). It also doesn’t cap costs (within the overall contents limit) for audio-visual equipment or business equipment. Some policies limit AV equipment payouts to £2,000.
On the downside, the policy is one of a minority we examined containing an ‘average clause’. This means if you’ve underestimated the value of your contents or how much it would cost to rebuild your home, Coverbaloo can proportionately reduce what it pays out in claims based on how underinsured you are.
Coverbaloo's policy offers student contents cover of up to the policy’s overall sum insured – £100,000. This protects the belongings of a family member who’s temporarily living away from home while studying.
Coverbaloo's underwriter Accredited Insurance (Europe) Ltd accepted 55-60% of claims on buildings-only policies – below the industry average of 62%. Some 10-15% of claimants lodged a complaint, which was approximately average (13%).
Meanwhile, the underwriter accepted 80-85% of claims on contents-only policies – a good bit higher than the average of 71%. Some 0-5% of claimants complained, below the 7% average.
For claims on combined policies, the underwriter accepted 60-65% of claims – below the 71% average. Some 5-10% of claimants complained, which is below the 12% industry average.
Coverbaloo policies do not appear on price comparison websites, but you may get a discount if you buy both buildings and contents cover.
Want to pay monthly? Good news – Coverbaloo charges no monthly interest, so if you split the cost, you won't increase the overall premium.
The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.
While we didn't have enough customer feedback to calculate a customer satisfaction score for Coverbaloo, its buildings policy scored 68% – the same as standard policies from 1st Central, The AA, Esure and Sheilas' Wheels. It ranks joint 24th in our standard buildings cover table.
As for contents insurance, its policy sits in joint 20th place with a score of 65%, the same as standard contents policies from Aviva and Admiral.
To make a claim on a Coverbaloo home insurance policy, you can do so online.
If you want to call, the number depends on your underwriter. Call 0345 122 3019 if your policy is underwritten by Ageas, and 01274 700810 if the underwriter is Integra.
Find out more: Is it worth claiming on your home insurance?
Maybe. It didn’t stand out in our analysis but could suit your needs if the price is right.
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