Budget's home insurance policy is underwritten by Ageas, Aviva, Axa, CIS, Covea, GEO, Integra Insurance Solutions, Legal & General, Lloyds Bank, Pen Property, Consortium Prestige Underwriting Solutions, RSA, UK General and Zurich.
Budget offers the following levels of home insurance cover:
|Policy||Policy level||Buildings - Maximum sum insured||Contents - Maximum sum insured|
|Budget Home insurance||Standard||£1,000,000||£99,000|
|Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy|
- Read our reviews of all the insurers who took part in our home insurance analysis
What does Budget home insurance cover?
The information below gives an at-a-glance view of the key areas that Budget's home insurance covers as standard.
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Personal possessions
Covers personal belongings against loss, accidental damage or theft when taken outside the home.
✓ Key cover
Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen.
£ Accidental damage
Covers accidental damage to personal belongings, fixtures and fittings.
£ Burst pipes
Covers the cost of repairing burst pipes in the property.
£ Legal protection
Covers legal costs resulting from claims such as property and employment disputes.
✘ Home emergency
Covers callouts and temporary repairs resulting from a home emergency.
✘ Boiler cover
Covers the failure of a boiler or central heating system.
Does Budget offer the best home insurance?
Here's how Budget scored in our latest home insurance survey:
To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
How we analyse home insurance
We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance / reduce their impact in the overall product score.
Budget's home insurance policy: is it good or bad?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of Budget's home insurance rated
Table last updated in March 2021. Next update in March 2022.
To see how Budget's home insurance compares with other policies check out our guide on the best and worst home insurance.
Where can you buy Budget home insurance?
Budget home insurance can be purchased online and over the phone, and via the following price comparison websites:
- Compare The Market
- Go Compare
Find out more: how to get cheap home insurance
What is Budget's claims number?
You can make a home insurance claim with Budget by calling 0344 412 2128 or submitting a claim form online.
Budget suggest having the following details to hand when you call:
- your policy number
- full name and address
- a police crime reference number if a crime has been reported
Find out how to boost your chances of success with our guide to making a home insurance claim.
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