Churchill home insurance review

Churchill is a UK-based insurance company that's famed for its grinning bulldog mascot. Since 1990, it has offered home insurance and has now broadened its product range to include car insurance, travel insurance, pet insurance and even cycling insurance.

Churchill is part of the Direct Line Group, which also includes Direct Line, Green Flag and Privilege, and its home insurance is underwritten by UK Insurance Ltd.

We've reviewed Churchill's standard Home policy, as well as its more comprehensive Home Plus policy. We also surveyed 58 Churchill customers who've recently made a home insurance claim.

Please note that this article is for information purposes only and doesn't constitute advice.

Does Churchill offer the best home insurance?

Here's how Churchill scored in our latest home insurance survey:

• Best Buy policy for its Home Plus contents cover.
• 68% customer score, placing it joint 10th out of 17 providers rated.
• 67% buildings score for its standard policy 'Home insurance', 28th out of 35 standard policies reviewed.
• 66% contents score on its standard policy, 20th out of 35 policies compared.
• 67% claims score, or joint 10th 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 Churchill home insurance cover?

We reviewed two of Churchill's policies. Select a policy from our table to see what it offers and how it scored.

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‘Look out for underwhelming cover levels’

Dean Sobers, Which? home insurance expert, says:

Churchill’s standard policy, named 'Home insurance' sat in the bottom fifth of our table when it came to its buildings cover, with 67% – and managed a middling 66% for its contents cover.

It provides most of the basics – for example, including cover for burst pipes, protecting your contents (including cash) within your home and laying on £500 of cover for guests’ belongings.

However, it wasn’t always the most generous when it came to cover levels. For example, the alternative accommodation cover with its buildings policy was lacking, at £25,000. Most policies we looked at provide upwards of £50,000.

Switching fees

If you switch insurer before renewal, you can incur steep early cancellation fees with some providers. Churchill tries to take the sting out of this for customers interested in switching to it by offering to reimburse their cancellation costs – up to £55.

Home Plus

Churchill’s more comprehensive alternative – the Home Plus policy – was a much stronger performer in our analysis and is a Best Buy for its contents cover.

It scored 70% for buildings (just below the average of 71%), and was among the top fifth of policies rated for contents, with 76%.  

How did customers rate Churchill's home insurance?

We asked customers who have recently made a claim how they felt about their home insurance. Churchill received a customer score of 68% – joint 10th out of 17 providers rated. 

Customers were also asked to rate their most recent claim. Here, Churchill received a score of 67% – again joint 10th, this time out of the 24 providers we scored. See the list of results here.

When we asked customers why they gave Churchill the score they did, one customer told us: 'They are extremely helpful and the policy is tailored to my exact needs.' 

Another told us that it was straightforward to make a claim and 'they dealt with the companies direct'. A claimant who is in their eighties and lives alone was happy that an item damaged in a fire 'was replaced in three days.' 

How can you save money on Churchill home insurance?

Churchill's policies can be bought both directly online or via these comparison websites: 

• Compare the Market
• Confused.com
• Go.Compare
• MoneySuperMarket

If you're with another insurer but are thinking of changing insurer, Churchill offers a £55 contribution towards cancellation fees incurred from making an early switch.

Want to pay monthly? Churchill charges interest of 10% APR, so you might be better off paying annually on an interest-free credit card.

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

How does Churchill compare with other providers?

With a customer score of 68%, Church was in joint-10th place in our table alongside Admiral. It was just below Allianz and NatWest, which were in joint-8th place with a score of 69%.

Churchill's buildings cover for its standard policy scored 67%. Standard policies from Esure, Sheilas' Wheels and Swiftcover only scored a fraction better, with a policy score of 68%.

As for contents cover, Churchill's standard Home policy scored 66%, just below policies from Direct Line, Nationwide and Santander.

Churchill home insurance: How can I claim?

You can make a home insurance claim with Churchill online or via the Churchill app. Alternatively, call 03456 033 590.

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

Should you buy Churchill home insurance?

Churchill's Home Plus policy is a contents Best Buy, so well worth checking out if you're seeking quality  cover from an insurer with decent customer feedback.

However, neither of Churchill's policies made the cut when it came to its buildings cover, so if you want more of an all-rounder, look to other providers. 

Find out how Churchill rates for other products

• Churchill car insurance review

How we rate home insurance