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17 Sept 2026

Tesco home insurance review

Name: Tesco home insurance review
Item: Tesco Home Insurance
Rating: 81
Author: Dean Sobers

Tesco Insurance is a Which? Recommended Provider with great feedback from customers

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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This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.

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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 Tesco Insurance offer the best home insurance?
What does Tesco home insurance cover?
‘Tesco stands out for its contents cover and excellent customer feedback’
How did customers rate Tesco home insurance?
How can you save money on Tesco home insurance?
How does Tesco Insurance compare with other providers?
Tesco Insurance home insurance: How can you claim?
Should you buy Tesco home insurance?

We've reviewed Tesco Insurance's buildings and contents cover, and surveyed 123 customers who have recently made a claim.

It sells home insurance directly and via comparison websites, and its policies are underwritten by Tesco Underwriting Ltd.

Tesco Insurance offers a wide range of financial products, from car insurance to pet insurance, travel insurance and life insurance.

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.

Does Tesco Insurance offer the best home insurance?

Recommended Provider

Tesco Insurance

Tesco's contents cover is a Best Buy.

Customer score

81%

Get a quote with MoneySuperMarket

Policies

Home (buildings)71%
best buy
Home (contents)70%

out of 21 home insurers with a customer score

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

What does Tesco home insurance cover?

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

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Buildings - Alternative accommodation	£50,000
Buildings - Burst pipes	Included
Buildings - Escape of water excess	£350
Home emergency cover limit	£1,000
Home emergency - central heating/boiler repair	£1,000
Buildings - Groundwater flooding	Included
Subsidence excess	£1,000
Contents - Valuables unspecified single item limit	£2,000
Contents - Alternative accommodation	£15,000
Contents - Accidental damage	Optional extra with some cover included as standard
Contents - Guests' belongings	£1,000
Contents - Theft of contents in the open	£1,500
Contents - Damage to contents in the open	£1,500
Contents - Theft from outbuilding	£5,000
Contents - Damage to contents in an outbuilding	Up to sum insured
Contents - Personal possessions cover single item limit	£2,000

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

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‘Tesco stands out for its contents cover and excellent customer feedback’

Dean Sobers, Which? home insurance expert, says:

Tesco’s contents policy ranked 10th (out of 72) in our table and is a Best Buy with a score of 70%. Its buildings cover wasn’t quite as impressive, but earned a respectable 71%, which was in line with the average score in our analysis.

We also received excellent feedback from claimants in our customer survey, so we've made Tesco Insurance a Which? Recommended Provider (WRP) – along with NFU Mutual.

Unlike many policies, Tesco’s cover includes some accidental damage cover as standard. This protects against breakages to items, such as fixed ceramic or glass surfaces and your home entertainment system, without you having to pay more to add this cover. You can then choose to include more accidental damage cover for other possessions or fixtures.

There were still some areas where it was lacking. It’s not currently a member of Flood Re’s Build Back Better scheme, for example. Under this scheme, insurers fund policyholders making flood claims to install adaptations that will make their homes less vulnerable to severe water damage in the future (for example, water-resilient paints and plasters).

And its storm damage cover, while generally impressive, doesn’t cover fences, gates or hedges, or fixed items in the open (such as outdoor hot tubs).

Storm cover

All the policies we looked at have storm cover – but ‘storm’ can be a nebulous term. Some insurers disallow certain kinds of storm if they're not accompanied by high winds, such as heavy rain or blizzards.

Tesco has one of the more generous interpretations, stating that one of these four weather events needs to have taken place for a storm claim to be viable:

Wind speeds exceeding 55mph
Snowfall exceeding 30cm depth in 48 hours
Torrential rainfall exceeding 25mm per hour
Hail causing damage to hard surfaces.

How did customers rate Tesco home insurance?

We asked Tesco Insurance customers who have recently made a claim how they felt about their home insurance.

Tesco received a customer score of 81%, placing it third and close to the top of our table.

It also scored 81% when we asked customers to rate its claims handling – joint third out of 22 providers. See the full list of results here.

What Tesco home insurance customers said

When we asked more about the ratings that customers gave Tesco Insurance, one claimant told us: 'They process claims quickly and fairly when I need support, without unnecessary delays or complications.'

Another happy customer added: 'Great speed from when I reported the water leak to getting the money for the burst pipes. Wonderful no-quibble resolution.'

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Customer satisfaction


How comprehensive the policies are
How affordable the policies are
Clarity of policy
Dealing with queries
Dealing with complaints
Value for money
Fair treatment of long-standing customers	n/a

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.

Tesco Insurance sample size: Customer score, 123; Claims score, 129

How can you save money on Tesco home insurance?

Tesco Clubcard members receive a discount on their home insurance, whether buying new cover or renewing.

You'll also get a discount for buying combined cover, rather than buying your buildings or contents insurance separately.

Tesco Insurance appears on the following comparison sites:

Compare the Market
Confused.com
Go.Compare
MoneySuperMarket
Quotezone

Want to pay monthly? Tesco charges interest of 23.5% APR, so you might be better off paying annually on an interest-free credit card.

The above information is correct as of August 2025. For more ways to save money when buying insurance, see our guide.

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

How does Tesco Insurance compare with other providers?

With a customer score of 81%, Tesco sits in 3rd place overall in our satisfaction table, coming just below NFU Mutual and Bank of Scotland (86%) and slightly ahead of Allianz, Aviva and Axa (which all scored 80%).

Its buildings cover scored 71% – the same as Halifax, Lloyds Bank and Urban Jungle – and ranks joint 14th in our standard buildings cover table.

As for contents insurance, it scored 70% and sits in joint-9th place among standard policies. Ecclesiastical's standard home insurance policy earned the same score.

Tesco Insurance home insurance: How can you claim?

You can claim via the Tesco Insurance website, or call 0345 677 7222.

If you need to call about a home emergency, the claims line for this service is 0330 123 1963.

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

Should you buy Tesco home insurance?

Tesco is more than worth considering. Its home insurance policy did well in our analysis, particularly its contents cover, and excellent feedback in our customer survey proves it delivers when put to the test.

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).