Best and worst home insurance
By Brean Horne
Finding the best home insurance policy can be tricky. We've taken a look at over 30 providers to help you get the right cover on your buildings and contents insurance.
Our short video shows three steps to help you find the best home insurance policy for you.
Best (and worst) home insurance companies
Few home insurers are good enough to be Which? Recommended Providers – they have to combine good cover with great customer service.
We scrutinised the standard contents insurance and buildings insurance policies of 31 providers, and combined our analysis with feedback from thousands of customers.
Each policy is rated on the key aspects of its cover to produce a Which? policy score, while our customer score is based on how the insurers were rated by customers.
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.
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, along with thousands of others, and enjoy the benefits of a Which? membership.
How we calculate the scores
The customer score is based on a survey of 6,236 general public respondents and are worked out using a combination of overall satisfaction and likelihood of recommending the provider to a friend. 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.
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 is made up of 50% of the customer score, and 25% each of buildings and contents policy scores.
- Last updated: January 2018
- Updated by: Brean Horne