What is home insurance?
Home insurance is a type of insurance product that protects your property and your belongings.
There are three main types of home insurance: buildings insurance, contents insurance and policies that combine both.
Here we reveal the best home insurers. If you're looking for tips on getting cheap home insurance, go to our guide.
How do I find the best home insurance?
Finding the right home insurance is far from easy, whether it's comparing differing cover levels, excesses or exclusions. Picking the wrong policy could prove disastrous 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 who've actually claimed on their home insurance.
As well as using our reviews to find the best cover, you can use our tips to save money:
Don't just renew
Insurers used to be able to charge you more if you were renewing with them than they would if you were new. They can't do this anymore, but you still stand to lose out by not checking if you're being offered a good deal.
Whether you're thinking about switching or want to stay put, assume that the figure posted out to you in your renewal letter is up for debate.
Take 10 minutes to run a quote on a comparison site. This will give you an indication of what your insurer's rivals are prepared to offer.
Haggle
Negotiating a cheaper insurance price isn't a dark art – it can be as simple as calling your insurer and asking if they can do better than the renewal offer.
If you've shopped around, you'll be able to give examples of deals you've seen elsewhere.
Find out more: See our haggling script, and other price-reducing tips
Calculate how much you need to cover
To ensure you have the right cover, it's worth having a precise idea of how much you need to insure.
Find out the rebuild price of your property (this will be lower than the value). The Association of British Insurers provides a free-to-use calculator to help you estimate this.
The same goes for the combined cost of your contents. Our contents calculator can help you tally up the value of your possessions.
Set the right excess
One way to reduce the price of your insurance is to increase your voluntary excess. But be mindful that this is a compromise, and effectively reduces your cover.
When choosing your excess, consider how much of a claim you could comfortably afford to pay yourself.
Try the specialists
Not all of us live in 'typical' circumstances or conventional properties. If your home has a thatched roof, a history of subsidence or is of unusual construction you may need to stray off the beaten track to find reasonably priced cover.
There are insurers and brokers that specialise in particular types of risk, so it's worth including them in your search. The British Insurance Broker's Association's website has a 'Find Insurance' tool and a helpline (0370 950 1790) for this purpose.
Our short video explains how to get the right home insurance in three easy steps.
Best and worst home insurance companies
We use our customer survey and policy analysis to rank home insurance companies.
The top-scoring providers will be awarded Which? Recommended Provider status, if they have met certain conditions:
- 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
- must achieve a high score in our customer satisfaction survey
- must also achieve average or above policy scores for buildings and contents.
This list, ranked by total score, contains only those home insurers we were able to rate for both policies and customer service. Therefore a number of insurers aren't included.
- Full list of contents insurance policies compared
- Full list of buildings insurance policies compared
Which? members can log in to see the results of our analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
| Brand | Customer Score | Buildings Score | Contents Score | Total Score | Clarity of Policy | Dealing with queries | Value for money |
|---|---|---|---|---|---|---|---|
| 87% | 71% | 69% | 79% | | | |
|
| 70% | 72% | 75% | 72% | |||
|
| 74% | 71% | 64% | 71% | - | ||
|
| 71% | 73% | 71% | 71% | | | |
|
| 73% | 65% | 61% | 68% | | | |
|
| 67% | 71% | 64% | 67% | | | |
|
| 69% | 65% | 63% | 66% | | | |
|
| 69% | 63% | 63% | 66% | | - | |
|
| 67% | 64% | 60% | 65% | | | |
|
| 66% | 67% | 57% | 64% | | | |
|
| 62% | 69% | 61% | 64% | | | |
|
| 69% | 60% | 53% | 63% | | | |
|
| 65% | 62% | 54% | 61% | | | |
|
| 49% | 65% | 63% | 56% | | | |
Table notes: Customer score data based on a survey, carried out in December 2021, of 1,284 policyholders who had made a home insurance claim in the last 2 years.
Policy scores are based on the provider's standard policy.
Customer score is calculated using a combination of overall satisfaction and the likelihood of recommending the provider. The total score combines the Customer score (50%) and the policy scores (Buildings - 25%, Contents - 25%)
Average customer score is 68%. Average policy score for standard buildings policies is 67%. Average policy score for standard contents policies is 62%. Average total score is 67%
''-" 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.
Customer score sample size: AA (34), Admiral (54), Aviva (105), AXA (83), Churchill (34), Direct Line (87), Halifax (64), Lloyds Bank (30), LV (118), More Than (34), Nationwide Building Society (71), NFU Mutual (83), Saga (50), Tesco Bank (32)
Table last updated in March 2022. Next update in March 2023.
Who are the home insurance Recommended Providers?
Which? members can log in to find out who we've crowned as our Which? Recommended Providers for car insurance in 2021.
If you're not already a member, join Which? and get full access to these results and all our reviews.
How we calculate the scores
Customer scores
The customer score is based on a survey of 1,284 claimants and is worked out using a combination of overall satisfaction and customers' likelihood of recommending their insurer.
Providers must receive a minimum sample size of 30 to be included.
Why only talk to customers who've claimed?
You'll only know how good an insurer's customer service really is when you have to make a claim. That's when good insurers will show their ability to deal with problems, quickly process your claim and arrange replacements or repairs as soon as possible.
Policy scores
The policy score is our assessment of the quality of standard cover, comparing 46 elements of a buildings insurance policy and 65 elements of a contents insurance policy.
Total score
Total score is made up of 50% customer score, and 25% each of buildings and contents policy scores.
