How do I find the best home insurance?
Finding the right home insurance is not always easy. Not only do you need to get a policy that will protect your home and the things you cherish, you want to find an insurer that will deliver should the worst happen.
Which? is here to help. Not only do we rigorously analyse the quality of contents insurance and buildings insurance policies from dozens of home insurers, we also gather feedback from thousands of real customers how they rate their provider to help you find top quality cover with a great customer experience.
The very best insurers in our analysis are rewarded with our coveted Which? Recommended Provider status.
Our short video explains how to get the right home insurance in three easy steps.
Best and worst home insurance companies
This review reveals which home insurers have the best contents and buildings insurance policies along with top customer satisfaction scores.
To be a Which? Recommended Provider, an insurer must:
- be regulated by the Financial Conduct Authority
- be available to the general public
- have received responses from 30 or more customers in our customer survey
- have received an average or above policy score (see table for current average score) and a customer score of 70% or above.
Which? members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
| Provider |  | Buildings score | Contents score | Total score | Dealing with queries | Transparency of charges | Value for money |
|---|---|---|---|---|---|---|---|
 | 78% | 77% | 80% | 78% | | | |
|
| 72% | 76% | 75% | 74% | - | - | |
|
| 64% | 83% | 82% | 73% | | | |
|
| 71% | 76% | 72% | 73% | - | | |
|
| 72% | 74% | 72% | 73% | | | |
|
| 68% | 74% | 74% | 71% | | | |
|
| 69% | 74% | 71% | 71% | | | |
|
| 70% | 72% | 70% | 71% | | | |
|
| 71% | 71% | 67% | 70% | | | |
|
| 63% | 78% | 76% | 70% | | | |
|
| 69% | 70% | 69% | 69% | | | |
|
| 68% | 72% | 68% | 69% | | | |
|
| 67% | 72% | 70% | 69% | | | |
|
| 63% | 76% | 73% | 69% | | | |
|
| 61% | 78% | 75% | 69% | | | |
|
| 70% | 65% | 69% | 69% | | | |
|
| 66% | 71% | 70% | 68% | | | |
|
| 67% | 71% | 67% | 68% | | | |
|
| 60% | 76% | 72% | 70% | - | | |
|
| 63% | 72% | 70% | 67% | | | |
|
| 65% | 69% | 67% | 67% | | | |
|
| 64% | 68% | 67% | 66% | | | |
|
| 66% | 68% | 63% | 66% | | | |
|
| 65% | 65% | 67% | 66% | | | |
|
| 62% | 69% | 67% | 65% | | | |
|
| 63% | 67% | 66% | 65% | | | |
|
| 69% | 63% | 58% | 65% | | | |
|
| 64% | 65% | 65% | 65% | - | | |
|
| 64% | 65% | 65% | 65% | | | |
|
| 69% | 57% | 63% | 65% | - | - | - |
|
| 66% | 65% | 59% | 64% | - | | |
|
| 63% | 65% | 65% | 64% | | | |
|
| 59% | 69% | 67% | 64% | - | - | |
|
| 61% | 63% | 62% | 62% | | | |
|
| 60% | 60% | 63% | 61% | | | |
|
| 61% | 53% | 55% | 58% | - | | |
|
| 61% | 56% | 46% | 56% | - | | |
Table notes: Customer score data based on a survey of 7,860 policyholders in May-June 2018. Customer score is calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.
'-' represents where we have insufficient sample size (less than 30) to generate a star rating. Insurers must have a minimum sample size of 30 for inclusion in the table.
Average customer score is 66%, average buildings policy score is 69%, average contents policy score is 68%, average total score is 67%.
The following providers received customer scores but did not receive a policy score as they did not take part in our survey or are brokers offering a wide range of different policies: Policy Expert 64% (100) and Santander 65% (130)
Customer score sample size: Age UK (50), NFU Mutual (142), M&S Bank (122), Insure4Retirement (37), John Lewis (248), LV (412), Rias (158), Tesco Bank (347), Sainsbury's Bank (146), Aviva (609), Barclays (125), Endsleigh (50), Co-op Insurance (242), Saga (379), Direct Line (533), Churchill (295), More Than (329), Sheilas' Wheels (50), Privilege (120), AA (227), NatWest (98), esure (147), AXA (246), Post Office (106), Lloyds Bank (321), Zurich (99), Halifax (387), Admiral (195), Swiftcover (48), Nationwide (357), Bradford and Bingley (31), Swinton (193), Hastings Direct (97), HSBC (51), Ageas (65), Royal Bank of Scotland (51), Bank of Scotland (40)
The following providers received policy scores but did not receive a customer score as they did not achieve the minimum sample size in the survey: Budget (43% Buildings/49% Contents)
How we calculate the scores
Customer scores
The customer score is based on a survey of 7,860 general public respondents, and are worked using a combination overall satisfaction and likelihood of recommending the provider.
If two or more brands show the same overall score, they are ranked to the next decimal place. Providers must receive a minimum sample size of 30 to be included.
Policy scores
The policy score is our assessment of the quality of standard cover, comparing 35 elements of a buildings insurance policy and 49 elements of a contents insurance policy. Providers must receive a minimum sample size of 30 respondents to be included.
Total score
Total score is made up of 50% of the customer score, and 25% each of buildings and contents policy scores.
