esure was founded in 2000 and offers its services primarily online and over the phone.
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:
|Policy||Policy level||Buildings: maximum sum insured||Contents: maximum sum insured|
|esure Home insurance||Standard||Unlimited||£200,000|
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.
✓ 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 esure offer the best home insurance?
Here's how esure 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.
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.
In detail: every part of esure's home insurance rated
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
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?