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17 Sept 2026

Esure home insurance review

A below-average policy from Esure

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

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Dive into the detail with our expert reviews

We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.

In this article

Does Esure offer the best home insurance?
What does Esure home insurance cover?
‘Esure's standard policy was below average’
How did customers rate Esure home insurance?
How can you save money on Esure home insurance?
How does Esure compare with other providers?
Esure home insurance: How can you claim?
Should you buy Esure home insurance?

We've reviewed Esure's standard home insurance policy, which you can buy directly from Esure's website or on price comparison websites.

We also surveyed 45 Esure customers who have made a claim on their home insurance.

Esure also offers car insurance and travel insurance, and its policies are underwritten by Esure Insurance Limited.

Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does Esure offer the best home insurance?

Esure

Esure’s policy was in the bottom 40% of those we rated.

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Policies

Home (buildings)68%
Home (contents)60%

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Esure home insurance cover?

We reviewed Esure's standard policy. Take a look at what it offers and what we scored it.

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Buildings - Alternative accommodation	£75,000
Buildings - Burst pipes	Included
Buildings - Escape of water excess	£450
Home emergency cover limit	£500
Home emergency - central heating/boiler repair	£500
Buildings - Groundwater flooding	Not covered	0 out of 5
Subsidence excess	£1,000
Contents - Valuables unspecified single item limit	£1,500
Contents - Alternative accommodation	£10,000
Contents - Accidental damage	Optional extra
Contents - Guests' belongings	£2,500
Contents - Theft of contents in the open	£2,000
Contents - Damage to contents in the open	£2,000 - optional extra
Contents - Theft from outbuilding	£2,000
Contents - Damage to contents in an outbuilding	£2,000 - optional extra
Contents - Personal possessions cover single item limit	£1,500

Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.

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‘Esure's standard policy was below average’

Dean Sobers, Which? home insurance expert, says:

Esure’s home insurance policy received mediocre scores in our analysis. Both its buildings score of 68% and contents score of 60% were below average (71% for buildings and 67% for contents).

Its contents insurance includes some accidental damage cover as standard (including glass and sanitary ware) – which not all policies do – and stolen keys. It’ll also cover cash stolen from the home (up to £750).

However, it has a comparatively low cover limit of £1,500 for valuables that haven’t been specified (it’s typically £2,000 or more).

We also noticed a shorter-than-usual unoccupancy period of 30 days. If your home is left unoccupied for longer than this, your cover is restricted, and you may not be able to make certain claims. Most policies cover unoccupancy periods for 60 days or longer.

Build back better

Esure is one of roughly half of the providers in our survey that (at the time of our research) are members of Flood Re’s Build Back Better scheme.

If your home is damaged by a flood, participating insurers will do more than just put you back where you were. They’ll pay extra to install flood resilience measures, which reduce the severity of damage caused by future flooding. An example of a flood resilience measure is raising the electrical sockets in your walls so they’re less likely to be affected.

Find out more: Home insurance and flooding.

How did customers rate Esure home insurance?

Esure scored 72% when we asked people to rate its claims handling – placing it joint 19th in our table of 22 providers. See the full list of results here.

What Esure home insurance customers said

When we asked more about the rating customers gave Esure, one claimant told us: 'An assessor came out to see the damage, and I received compensation quickly thereafter.'

However, another said: 'They sorted out repairs for my claim, but I did have to ring them a few times to make sure it was happening soon.'

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Overall customer service
How quickly claims are dealt with
How fair the settlement value is during claims
Giving you regular communication updates on claim progress
Clarity of communication on claim progress
Complaints process	n/a
How co-ordinated the service during claims is

Table last updated in September 2026. Next update in September 2027.

'n/a' represents where we have insufficient sample size (less than 40) to generate a star rating.

Esure sample size: Claims score, 45

How can you save money on Esure home insurance?

To check to see if you're getting a good deal, Esure's policy can be bought from the following price comparison websites:

Compare The Market
Confused.com
GoCompare
MoneySuperMarket

Esure offers a discount if you take out both buildings and contents cover.

Want to pay monthly? Esure charges interest (the rate of which varies), so you might be better off paying annually on an interest-free credit card.

The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.

Visit Esure directly to find out more about its home insurance policy.

How does Esure compare with other providers?

While we didn't have enough customer feedback to calculate a customer satisfaction score for Esure, its buildings policy scored 68% and ranks joint 24th in our standard buildings cover table. The score of 68% is the same as standard policies from the AA, Coverbaloo and others.

As for contents insurance, its standard policy scored 60% – the same policy score as contents cover from Privilege and Sheilas' Wheels – and sits in joint 29th place among standard policies.

Esure home insurance: How can you claim?

If you need to make a claim with Esure home insurance, you can claim online or call 0345 601 7072.

If you need help with a home emergency, call 0345 601 7624.

Find out more: Is it worth claiming on your home insurance?

Should you buy Esure home insurance?

Esure's standard policy was a fairly low performer in our analysis of cover.

It also received a mediocre claims score in our customer survey, and the most recent industry data suggests its claims acceptance rate is also below average.

For these reasons, we can't recommend it.

How we rate home insurance

Policy analysis

We analyse and rate 177 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

Customer survey

We also surveyed 3,419 members of the public who had made a claim in the past two years. The survey was conducted in May-June 2026.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 70%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).

Find out how Esure is rated for other products

Esure car insurance review