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Which? reveals the best home insurance companies

NFU Mutual, M&S and John Lewis among those rated

We questioned 4,999 Which? members in our home insurance customer satisfaction survey

Which? Money has rated 39 of the biggest home insurance companies based on customer satisfaction and policy score. Find out which are rated best and worst in our exclusive survey.

Our latest home insurance reviews are based on a detailed analysis of each provider’s standard buildings and contents insurance policies, as well as the results of our customer satisfaction survey.  

The highest scoring home insurer for customer satisfaction received 79%, while the worst scored just 53%. 

Additionally, we found a large spread in policy score, indicating a big difference in the comprehensiveness of each standard policy.

Aviva, Axa, Churchill, Direct Line, Halifax, John Lewis, L&G Lloyds, More Than, NFU Mutual, Saga and Tesco are among the big names included in our reviews. 

Find out more: best and worst home insurance see our detailed breakdowns of each company

Home insurance reviews: how we test

We rate elements of each provider’s buildings and contents policy, which we combine with the provider’s customer score to generate a total score.  

In our customer satisfaction survey, we asked 4,999 Which? members how satisfied they were with their home insurance provider. Customer scores are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Each provider is also given a star rating for customer service, handling queries and complaints, transparency of charges and value for money. 

These surveys are carried out every six months. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

We regularly cover insurance in Which? Money magazine. If you’d like to read our latest investigations and expert guidance on savings, investments, pensions, tax and more, try Which? Money for two months for £1.

How to find the best home insurance

Here are three top tips to help you find the the best home insurance policy:

Consider claims satisfaction  

Home insurance claims can be stressful at the best of times. We’ve rated which companies are the best at dealing with claims.

Watch out for sneaky fees 

Some companies charge an array of policy fees. We highlight the policies which include excessive fees and charges.

Get a better deal by haggling 

Which? research has found you can often cut a significant chunk off your home insurance premium by haggling over your renewal quote.

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