How do I find the best home insurance?
We scrutinised the standard contents insurance and buildings insurance policies of 33 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 qualify as 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
Click on the WRPs in the table below to see full details of its customer score and policy elements. Table updated every six months. Next updated in August 2018.
With responding to a claim the acid test of any insurer we also rate providers on their claims handling in our section. For more information about individual policies read our home insurance reviews.
Best home insurance companies
How we calculate the scores
The customer score is based on a survey of 6,236 general public respondents and are worked using a combination 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 32 elements of a buildings insurance policy and 46 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