esure home insurance review

It offers a wide range of insurance policies, including home insurance, car insurance, and travel insurance.

esure belongs to the esure Group, which also owns Sheila's Wheels, and its home insurance is underwritten by esure Insurance ltd

esure offers the following levels of home insurance cover:

What does esure home insurance cover?

Elements marked with a ✓ are covered as standard, those marked with a ✘ are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

Does esure offer the best home insurance?

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

Home And Mobile Insurance

Esure review

Overall Which? score

%

Our total score score combines ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.

Which? Customer Score

%

Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.

Buildings policy score

%

Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.

Contents policy score

%

Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.

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To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

esure’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 esure's home insurance rated

Buildings cover Contents coverAdditional coverExcesses & no claims Payment, fees & admin

Weighting	Policy element	Details	Rating
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Most important	Repairs guarantee
Other	Unoccupancy period
Most important	Trace and access  (£)
Most important	Burst pipes - included?
Most important	Blockage of sewer pipe - included?
Secondary	Gradual build-up of groundwater - included?
Secondary	Subsidence - included?
Secondary	Damage to underground services - included?
Secondary	Flood and storm damage - included?
Secondary	Flood and storm damage to outbuildings - included?
Secondary	Storm damage to fences - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Details	Rating
Most important	Alternative accommodation (£)
Most important	Owner's / Occupier's liability (£)
Other	Special event cover increase (e.g. wedding)
Other	Unoccupancy period
Other	Matching sets cover - included?
Other	Damage by domestic pets covered?
Most important	Single item limit for valuables (unspecified) - max limit (£)
Most important	Contents in the open - within home boundary i.e. garden (£)
Most important	Contents in outbuildings - including garages (£)
Most important	Theft from outbuildings (£)
Secondary	Gradual build-up of groundwater - included?
Other	Garden cover - included?
Other	Garden contents cover - plants (£)
Secondary	Money in the home (£)
Secondary	Money away from the home (£)
Secondary	Credit cards in the home (£)
Secondary	Credit cards away from the home (£)
Secondary	Digital information in the home (£)
Secondary	Items temporarily removed from home (£)
Secondary	Business / Office equipment (£)
Other	Freezer contents (£)
Other	Guests belongings (£)
Other	Student contents (£)
Other	Nursing home contents (£)
Other	Moving house cover  - included?
Other	Theft of keys - included?
Secondary	Theft of keys (£)
Other	Loss of keys - included?
Secondary	Loss of keys (£)

Weighting	Policy element	Details	Rating	Area covered
Most important	Accidental damage cover - included?			Buildings
Most important	Accidental damage cover - included?			Contents
Most important	Home emergency cover - included?			Buildings and contents
Most important	Home emergency - limit per call-out (£)			Buildings and contents
Other	Home emergency - emergency accommodation			Buildings and contents
Secondary	Boiler cover - included?			Buildings and contents
Secondary	Boiler repair (£)			Buildings and contents
Secondary	Boiler replacement (£)			Buildings and contents
Other	Boiler covered if not annually serviced?			Buildings and contents
Secondary	Legal expenses cover - included?			Buildings and contents
Secondary	Legal expenses cover (£)			Buildings and contents
Secondary	Personal possessions cover - included?			Contents
Secondary	Personal possessions away from home - Unspecified single item limit (£)			Contents
Secondary	Personal Possessions limit within a car (£)			Contents
Secondary	Mobile phones (away from home) - included?			Contents
Secondary	Mobile phones away from home - unspecified (£)			Contents
Other	Unspecified bicycles away from home - included?			Contents
Other	Specified bicycle away from home - included?			Contents

Weighting	Policy element	Details	Rating	Area covered
Most important	Standard level of  compulsory excess			Buildings
Most important	Standard level of compulsory excess			Contents
Most important	Escape of Water excess			Buildings
Most important	Escape of Water excess			Contents
Secondary	Subsidence excess			Buildings
Secondary	Personal possessions excess			Contents
Secondary	Replacement locks and keys excess			Buildings and contents
Other	NCD protection - included?			Buildings and contents
Other	NCD protection claims (number per year)			Buildings and contents

Weighting	Policy element	Details	Rating
Most important	Interest charged on payment by instalments (APR)
Most important	Renewal Fee
Secondary	Adjustment Fee
Secondary	Duplicate Documents Fee
Secondary	Cancellation fee within cooling off period
Secondary	Cancellation fee after cooling off period
Secondary	Payment Default Fee
Other	Claims helpline
Other	Windscreen helpline
Other	Legal advice helpline
Other	Notice if insurer cancels

Table last updated in March 2022. Next update in March 2023.

To see how esure's home insurance compares to other policies, check out our guide on the best and worst home insurance.

How can you save money on esure 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.

esure home insurance can be purchased online and over the phone. There's a discount for purchasing online, and for having both car and home insurance - but only if you buy over the phone. 

It's also available on the following price-comparison websites:

• Compare The Market
• Confused.com
• GoCompare
• MoneySuperMarket

Above information correct as of February 2022. Find other tips in our guide on how to get cheap home insurance.

What is esure's claims number?

If you need to make a home insurance claim with esure, call 0345 601 7072. You can also claim online.

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