Tesco home insurance review

Tesco Insurance offers a wide range of financial products – from home insurance to car insurance, pet insurance, travel insurance and life insurance.

Tesco's home insurance is underwritten by Tesco Underwriting Ltd, and sells policies directly and via comparison websites.

It offers one home insurance policy called Standard Home Insurance, which we've reviewed. We've also surveyed 50 Tesco customers who have recently made a home insurance claim.

Please note that this article is for information purposes only and does not constitute advice.

Does Tesco offer the best home insurance?

Here's how Tesco scored in our latest survey.

• Which? Recommended Provider
• 75% customer score, placing it 4th out of 17 providers rated.
• 70% contents score for its standard policy, 13th out of 35 providers compared.
• 71% buildings score, or 15th of 35 standard policies reviewed.
• 76% claims score, or second out of 24 brands compared.    

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Tesco home insurance cover?

Compare home insurance deals

Check Which? insurance ratings and compare deals using the service provided by Confused.com

Get a quote

‘A solid performer which stands out in a flood’

Dean Sobers, Which? home insurance expert, says:

Tesco scored 71% for its buildings cover and 70% for its contents cover – which compares to average scores of 71% and 68%, respectively. This made it a mid-table performer.

While its levels of cover didn’t leap out of our analysis, it was generally decent. It scored at least three out of five points in most areas we assessed, and there were some highlights, too.

Unlike many policies, Tesco’s cover comes with some accidental damage cover as standard. This protects against breakages to items such as fixed ceramic or glass surfaces and your home entertainment system – without you having to pay more to add this cover on. You can then choose to include more accidental damage cover for other possessions or fixtures.

There were still some areas where it was lacking. Its contents policy doesn’t cover damage caused by domestic pets, for example. And its storm damage cover – while generally impressive – doesn’t cover fences, gates and hedges, or fixed items in the open (such as hot tubs).

Flood cover

There are lots of potential types of 'flood'. Tesco’s policy takes the time to explain in its wording what it means by 'flood', along with about a third of other policies we examined. This makes it less cryptic than other insurers on this crucial feature of home insurance. 

And following a Which? report into insurers’ language, Tesco recently made its definition of flooding more generous – removing a stipulation that the water must have entered the property ‘sudden[ly]’ to count.

Tesco’s policy was also among a quarter of those we analysed that covers damage caused by groundwater flooding – whether it’s built up rapidly or gradually.

How did customers rate Tesco's home insurance?

We asked Tesco customers who have recently made a claim how they felt about their home insurance.

Tesco received a customer score of 75%, placing it close to the top of our table. It was even more impressive when rated on its claims handling – coming second out of 24 with a score of 76%. See the list of results here.

When asked why they'd rated Tesco highly, one customer summarised: 'Affordable premium, transparent policies, excellent customer service.' Another, who'd rated the insurer highly for its claims handling, explained that following a burglary, Tesco staff had 'talked me through how to claim online. It was an easy process and quick.'

How can you save money on Tesco home insurance?

Tesco Clubcard members receive a discount on their home insurance, whether buying new cover or renewing.

You'll also get a discount for buying combined cover as opposed to buying your buildings or contents insurance separately. 

Tesco appears on the following comparison sites:

• Compare the Market
• Confused.com
• Go.Compare
• MoneySupermarket
• Quotezone. 

Want to pay monthly? Tesco charges interest of 23.5% APR, so you might be better off paying annually on an interest-free credit card.

The above information is correct as of August 2025. For more ways to save money when buying insurance, see our guide.

How does Tesco compare with other providers?

With a customer score of 75%, Tesco came just below HSBC in our table, which ranked third with 78%.

It drew with Halifax's standard policy with its buildings cover – which we also awarded 71%. Aviva's and M&S's standard policies were just ahead in our table – each with 72%.

Regarding contents cover, it shared a score of 70% with Lemonade's standard policy. Both were just behind Bank of Scotland, Coverbaloo, Halifax, and Lloyds, which received scores of 71% for their standard policies.

How can I claim?

The contact number to make a claim is 0345 677 7222. If you need to call about a home emergency, the claims line for this service is 0330 123 1963.

• Find out more: Is it worth claiming on your home insurance?

Should you buy Tesco home insurance?

On paper, Tesco's cover wasn't the most exceptional policy we reviewed – but excellent feedback in our survey suggests it's doing well by customers who have genuinely put it to the test. 

Claimants praised its customer service, claims handling and affordability, earning it our Which? Recommended Provider status.

However, it won't be the perfect fit for everyone and, as with any insurance, you'll need to check the cover against your personal requirements before committing to a purchase.   

If you need particularly high levels of cover, you might want to consider some of our Best Buys or our other Which? Recommended Provider, NFU Mutual.  

Find out how Tesco rates for other products

• Car insurance
• Pet insurance  
• Travel insurance

 How we rate home insurance