Established in April 1985, Direct Line has grown significantly over the years and now has more than 10 million customers across the UK. It offers a wide range of financial products including home insurance, car insurance and pet insurance.
Direct Line Insurance belongs to the Direct Line Group which also owns Churchill and Privilege and its home insurance is underwritten by U K Insurance Ltd.
Direct Line offers the following levels of home insurance cover:
Policy | Policy level | Buildings: maximum sum insured | Contents: maximum sum insured |
---|---|---|---|
Direct Line Home insurance | Standard | £1,000,000 | £50,000 |
Direct Line Home Plus | Premium | Unlimited | £100,000 |
Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy |
What does Direct Line Home insurance cover?
Elements marked with a ✓ are covered as standard, those marked with a ✘ are not. Elements marked with a £ can be added to a policy as optional extras for an additional cost.
✓ Burst Pipes
Covers water damage caused by burst pipes in the property.
✓ 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.
£ Home emergency
Covers callouts and temporary repairs resulting from a home emergency.
£ Personal Possessions
Covers personal belongings against loss, accidental damage or theft when taken outside the home.
£ Boiler cover
Covers the failure of a boiler or central heating system.
£ Legal protection
Cover for legal costs resulting from claims such as property and employment disputes.
Does Direct Line offer the best home insurance?
Here's how Direct Line 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 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 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 factor this in 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. We then adjust the impact the more and less important elements have on the overall policy score.
Direct Line’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.
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of Direct Line's Home insurance rated
Table last updated in March 2022. Next update in March 2023.
Does Direct Line offer different levels of home insurance cover?
Direct Line also offers Home Plus home insurance, which features a higher level of cover, generally for a higher premium. Log in to see how we rated it.
To see how Direct Line's home insurance compares to other policies check out our guide to the best and worst home insurance.
How did customers rate Direct line's home insurance?
As well as looking at how Direct Line's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.
Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.
Direct Line home insurance customer satisfaction
Table last updated in March 2022. Next update in March 2023.
"-' represents where we have insufficient sample size (less than 30) to generate a star rating
How can you save money on Direct Line home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all-dancing policy - but certain add-ons might not be for you, or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
Direct Line home insurance can be purchased online and over the phone. It is not available on price comparison websites.
- Find out more: how to get cheap home insurance
What is Direct Line's claims number?
If you need to make a claim with Direct Line home insurance call 0345 246 8412.
Find out more about claiming successfully in our guide to making a home insurance claim.