Esure home insurance overview
Esure was founded in 2000, offering its services primarily online and over the phone.
It offers a wide range of insurance policies including; home insurance, car insurance, and travel insurance.
Esure belongs to the Esure Group which owns other brands like Sheila's Wheels.
The Esure Group is a public company listed on the London Stock Exchange.
- Find out more: what is contents insurance?
What does Esure home insurance cover?
The information below gives an at-glance view of the key things that Esure's home insurance covers as standard.
Elements marked with a ✓ are covered as standard and those marked with a ✘ are not covered as standard. However, these can be added to a policy as optional extras for an additional cost.
✓ Burst pipes
Covers the cost of repairing burst pipes in your property.
✓ Loss and theft of keys
Loss and theft of keys will cover the cost of replacing your keys if they are ever lost or stolen.
✓ Garden cover
Garden cover protects against damage to items in your garden including plants and garden furniture
✘ Home emergency
Home emergency cover provides assistance of central heating, electrical emergencies, plumbing or draining issues.
✘ Accidental damage
Accidental damage protects against sudden and unconventional physical damage to the structure of your property as well as your furniture and belongings.
✘ 24 hour (emergency) helpline
Allows you to call a 24-hour helpline for assistance in the case of a home emergency.
✘ Legal expenses
Legal expenses cover the cost of legal expenses should you need to pursue legal action against another party.
✘ Personal possessions
Personal possessions cover protects your portable belongings while you’re outside of your property.
- Find out more: what is buildings insurance?
How Which? rates Esure's home insurance
To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.
We survey thousands of real home insurance customers to find out how they rate their insurer for customer satisfaction.
We also analyse and rate 60 different elements of contents and buildings insurance to create policy scores, helping you judge the quality of your cover - and how an insurer compares to its peers.
We combine this into an overall score to highlight the insurers that offer great cover and service.
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 one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
Esure’s home insurance policy: is it good or bad?
In February 2019, we analysed and rated 60 of the most important elements of standard home insurance policies to come up with the overall policy score.
We assess how important each individual element is when choosing and using a home insurance policy, and weight it accordingly when calculating our total policy score. Each element is given a star rating, out of five.
Overall, 49 out of the 60 elements policy elements we analysed in Direct Line's home insurance earned a 3-star rating or higher.
A total of 23 of Direct Line's policy elements were given a full 5-star rating. The majority (23) of the features in its policy were given a 3-star rating, which indicates an average level of cover.
Best parts of Esure's home insurance policy
We’ve identified three standout features in Esure’s home insurance policy:
- Digital information is covered up to the sum insured, which we gave a full 5-star rating
- Unlimited bicycle cover when it's away from your home, which earned 5 stars
- Business and office equipment covered as standard, which we scored 5 stars
Worst parts of Esure's home insurance policy
We've identified three features in Esure's home insurance policy which scored poorly:
- Up to £750 cover for personal possessions left in your car, which we only scored 1 star
- A cover limit of £1,500 for single items not specified on your policy, which we gave 1 star
- Only covers your unoccupied home for up to 30 days, which earned 2 stars
In detail: every part of Esure's home insurance rated
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 one month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.
Table last updated in February 2019. Next updated in February 2020.
| Policy elements | Details | Rating | Area covered |
|---|---|---|---|
| Interest charged on payment by installments (APR) |
|
| Buildings and contents |
| Renewal fee (£) |
|
| Buildings and contents |
| Home emergency cover - standard, optional, not covered? |
|
| Buildings and contents |
| Home emergency cover (£) |
|
| Buildings and contents |
| Owner's / Occupier's liability (£) |
|
| Buildings and contents |
| Accidental damage cover - standard, optional, not covered? |
|
| Buildings and contents |
| Subsidence - standard, optional, not covered? |
|
| Buildings only |
| Alternative accommodation (£) |
|
| Buildings only |
| Burst pipes - standard, optional, not covered? |
|
| Buildings only |
| Blockage of sewer pipe - standard, optional, not covered? |
|
| Buildings only |
| Single item limit for valuables - max limit (£) |
|
| Contents only |
| Contents in the open - within home boundary i.e. garden (£) |
|
| Contents only |
| Contents in outbuildings - including garages (£) |
|
| Contents only |
| Theft from outbuildings (£) |
|
| Contents only |
| Personal Possessions - standard, optional, not covered? |
|
| Contents only |
| Personal Possessions limit within a car (£) |
|
| Contents only |
| Bicycles - standard, optional, not covered? |
|
| Contents only |
| Mobile phones (away from home) - standard, optional, not covered? |
|
| Contents only |
| Does mobile phone cover include calls? |
|
| Contents only |
To see how Esure's home insurance compares to other policies check out our guide on the best and worst home insurance.
How did customers rate Esure's home insurance policy?
As well as looking at how Esure's home insurance policy stacks up against others, we've also analysed how customers feel about it too.
Which?'s rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Overall, Esure home insurance scored 67% for customer satisfaction, placing it 29th out of the 34 home insurers we looked at.
Customers scored most Esure three stars for most elements including 'clarity of policy', 'application process,' and 'dealing with queries'. Esure's 'transparency of charges and penalties' was scored the lowest by customers and only received two stars.
The table below shows how Esure's home insurance scored for eight elements of customer satisfaction.
| Customer satisfaction element | Which? Customer rating |
| Application process |
|
| Clarity of policy |
|
| Dealing with queries |
|
| Ease of managing your policy online |
|
| Transparency of charges/penalties |
|
| Dealing with complaints |
|
| Experience of making a claim |
|
| Value for money |
|
Does Esure offer different levels of home insurance cover?
The scores shown in this review relate to Esure's standard home insurance policy.
It is possible to increase your level of cover by adding optional extras to your policy such as personal possessions cover and pest cover.
Choosing to add these features on to your policy will come at an added cost, making your policy more expensive than a standard one.
How much does Esure's home insurance cost?
Your contents insurance and buildings insurance will be priced based on your own personal circumstances, where you live and the type of property and contents you own.
Esure allows you to gather quotes on its own website at www.esure.com/home-insurance.
But you can also compare the Esure's home insurance on the following price comparison sites:
- Comparethemarket.com
- Gocompare.com
- Moneysupermarket.com
Check out our guide for more information on how add-ons, fees, and charges affect the price of your home insurance.
What is Esure's claims number?
If you need to make a claim with Esure home insurance call 0345 601 7072.
According to Esure, you’ll have to pay the excesses which are shown on your policy documents if you’re going to make a claim.
The acid test of any home insurance provider is how it handles your claim. In January 2019, Which? surveyed 1,456 members of the general public about their experiences using a major home insurance provider.
Esure did not have a large enough sample size for us to score it on claims satisfaction. You can find out how other home insurance companies performed in our guide making a home insurance claim.
Who underwrites Esure's home insurance policy?
Its policies are underwritten by Esure Insurance Ltd.
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