The Post Office is the UK's largest financial services chain and has served customers for more than 370 years.
Its home insurance is underwritten by Ageas Insurance Limited.
|Policy||Policy level||Buildings: maximum sum insured||Contents: maximum sum insured|
|Gold Plus||Premium - Available on Price Comparison Websites (PCW) only||£1 million||£100,000|
|Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy|
What does the Post Office's Silver 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 call-outs 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 the Post Office offer the best home insurance?
Here's how the Post Office 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.
How good is the Post Office's Silver home insurance policy?
We've rated hundreds of policy details and picked out the best and worst elements of this cover.
In detail: every part of the Post Office's Silver home insurance rated
Table last updated in March 2022. Next update in March 2023.
Does the Post Office offer different levels of home insurance cover?
The Post Office also offers Gold home insurance, which features a higher level of cover. Log in to find out how we rated it.
How can you save money on Post Office home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So 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.
Post Office home insurance can be purchased online and over the phone.
The Post Office's Gold home insurance policy isn't available on price comparison websites, but its Gold Plus policy, which includes Family Legal Protection cover as standard, is.
The Silver and Gold Plus policies are available on the following sites:
- Compare The Market
- Go Compare
Above information correct as of February 2022. For more tips see our guide to getting a cheap home insurance quote.
What is the Post Office's claims number?
If you need to make a claim, call 0345 073 1005
It's best to have your policy number handy before making a claim. You'll be asked details about what happened, when it happened and what action you've taken so far.
You'll also be asked what you're claiming for and the approximate cost involved.
- Find out more: is it worth claiming on your home insurance?