Best Home Insurance Companies – Best Rated and Cheap Home Insurance

Here are some of the best home insurance companies in the UK and what you need to know about them:

1. AVIVA

What they offer
* Defaqto 5-Star Rating.
* Building and content cover to protect your property from damage or burglary.
* If your property is damaged, they will pay for alternative accommodation, till your property is fit to live in.
* If you are a landlord, they will pay for the loss of rent, until your property is habitable.
* You can take out additional cover such as legal services, home emergency cover.
Get more information and quote, here: AVIVA Home Insurance.

What is not covered, includes (please read their full document)
* Gradually occurring damage, including depreciation.
* They will not cover breakdown or faults, including boilers and laptops. The exception to this is home emergency cover, which will cover boilers (home emergency cover can be bought as an extra).
* Faulty material and workmanship.
* Deliberate or criminal acts.
Get a quote, here: AVIVA Home Insurance.

2. Nationwide

What they offer
* Defaqto 5-Star Rating.
* Nationwide members get 25% discount.
* Building insurance, content insurance or combined.
* Choice of 2 levels of content insurance, £50 000 or £50 000 and over. They also offer content insurance for renters.
* Option to add additional policies like home emergency cover.
Get more information and quote, here: Nationwide Home Insurance.

What is not covered, includes (please read their full document)
* If you have existing and deliberate damage. Building which is being used for illegal activities.
* Failure of computers and electrical equipment.
* Pollution or contamination.
* Reduction in value by depreciation.
Get a quote, here: Nationwide Home Insurance.

3. Direct Line

What they offer
* Defaqto 5-Star Rating.
* Choice of 3 levels of cover: Home Insurance, Home Insurance Plus and Select Premier.
* Get buildings insurance coverage for up to £1 million or unlimited coverage.
* Choice of coverage for contents insurance: up to £50 000, up to £100 000 or Unlimited.
* Alternative accommodation cover if your property is inhabitable. There are 3 options: up to £40 000, up to £80 000 and Unlimited (up to 3 years).
Get more information and quote, here: Direct Line Home Insurance.

What is not covered, includes (please read their full document)
* Wear and tear and maintenance.
* Any theft, vandalism or accidental damage which is caused by any tenants living there or any paying guests.
* They will not repair or pay for any items which is caused by a mechanical electrical fault.
* If your house has been unoccupied for more than 60 days in a row, they will not pay for any theft or damage.
Get a quote, here: Direct Line Home Insurance.

4. Halifax

What they offer
* Defaqto 5-Star Rating.
* 3 levels of cover available: Buildings and Content, Just Contents, Just Buildings.
* Each cover has 3 types to choose from: Bronze, Silver, Gold.
* Bronze, Silver and Gold all offer buildings limit up to full build cost.
* Get a discount for applying online.
* Option to add additional policies like home emergency cover or away from home cover.
Get more information and quote, here: Halifax Home Insurance.

What is not covered, includes (please read their full document)
* Will not cover damage caused by water leaking from overflows outside your building .
* They will not pay for any damage done on purpose.
* Damage to fence, hedges or gates which caused by storms or floods.
Get a quote, here: Halifax Home Insurance.

5. esure

What they offer
* Defaqto 5-Star Rating.
* Get content or building insurance.
*Free home energy cover and family legal protection for the initial year.
* Will not charge you extra for paying monthly.
* Option to add additional policies like personal possession cover.
Get more information and quote, here: esure Home Insurance.

What is not covered, includes (please read their full document)
* Any theft, vandalism or accidental damage which is caused by any tenants living there or any paying guests.
* Will not pay for damages caused to buildings or content as a result of water escaping from water tanks, pipes, fixed equipment or domestic appliances.
* They will not pay for damages caused by subsidence or landslides.
* They not pay for damage if your property is unfurnished or unoccupied.
Get a quote, here: esure Home Insurance.

6. John Lewis

What they offer
* Defaqto 5-Star Rating.
* Choice of 3 levels of cover: Bronze, Silver and Gold.
* Get buildings insurance coverage for up to £400 000 or unlimited coverage. Choice of coverage for contents insurance: £50 000, £100 000 or Unlimited.
* Alternative accommodation cover if your property is inhabitable on both the Contents Cover and Buildings Cover. These range from: £10 000, £15 000, £50 000, £100 000 and Unlimited.
* Add-ons available including: Home Emergency and Boiler Service Cover, Gadget Cover.
Get more information and quote, here: John Lewis Home Insurance.

What is not covered, includes (please read their full document)
* If your house has been unoccupied for more than 60 days in a row, they will not pay for any theft or damage.
* Damage to any part of the building by subsidence.
* Damage by tear and wear.
* Damage done by any repairs or restorations.
Get a quote, here: John Lewis Home Insurance.

7. HSBC

What they offer
* Defaqto 5-Star Rating.
* Get a discount when you buy online.
* The buildings only cover, has unlimited buildings cover. Content insurance up to £50 000 or £80 000 cover on request.
* Alternative accommodation cover if your property is inhabitable.
* Any water damage from leaking pipes, they will trace the source and make good.
Get more information and quote, here: HSBC Home Insurance.

What is not covered, includes (please read their full document)
* Building wear and tear.
* Damage caused if the building is left unoccupied longer than time shown on your schedule schedule.
* Damage by tear and wear.
* Damage by wet or dry rot coming from any source.
Get a quote, here: HSBC Home Insurance.

8. M & S Bank

What they offer
* Defaqto 5-Star Rating.
* Choice of 2 options: Standard and Premier.
* Accidental damage cover included with all Premier policies.
* Pay monthly at no extra cost.
* Alternative accommodation cover if your property is inhabitable.
Get more information and quote, here: M&S Home Insurance.

What is not covered, includes (please read their full document)
* If your house has been unoccupied for 90 days in a row, you will not be covered.
* Your home must not have previously had insurance refused, cancelled, had any special terms or excess imposed by a previous insurer.
* On a Standard cover, you cannot have an item which is valued over £10 000, or total values that exceeds £25 000.
* Your property cannot have more than 6 bedrooms.
Get a quote, here: M&S Home Insurance.

9. Barclays

What they offer
* Defaqto 5-Star Rating.
* They offer cover for Combined Buildings and Content, Contents Only, Buildings Only.
* The Combined Buildings and Content cover offer unlimited sum insured for your possessions and build and repair costs.
* You will get up to £100 000 for alternative accommodation, if your home is uninhabitable.
* Up to £20 000 cover for your valuable items and a further £20 000 available for individual items that are valued over £2 500 each.
Get more information and quote, here: Barclays Home Insurance.

What is not covered, includes (please read their full document)
* You are not covered by damage caused by wet or dry rot.
* Damage caused by wear and tear that happens gradually.
* Accidental damage is not covered, but you can choose to include it to your content insurance.
* Gates, hedges or fences that have been blown down in a storm.
Get a quote, here: Barclays Home Insurance.

10 Lloyds Bank

Features and benefits
* Defaqto 5-Star Rating.
* Choose between 3 levels of their home insurance and select extra cover if you need it: Bronze, Silver or Gold.
* Alternative accommodation if your home is uninhabitable due to a claim.
* Bronze, Silver and Gold all offer buildings limit up to full build cost.
* Contents cover: Up to £50 000 for Bronze, Up to £100 000 for Silver, Up to £250 000 for Gold.
Get more information and quote, here: Lloyds Home Insurance.

What is not covered, includes (please read their full document)
* Will not cover any damage that occurs when your home is unoccupied.
* Damage caused by any structural alterations or repairs.
* Cost of of repairing any domestic appliances or fixed domestic water installation.
* Gates, hedges or fences that have been blown down in a storm.
Get a quote, here: Lloyds Home Insurance.

Defaqto Expert Rated

Defaqto is a leading rating provider for financial products. They provide consumers an independent and fair assessment of financial products in the marketplace. They rate products up to 5 stars. All the home insurance we have provided here are rated 5 stars, their top marks, by Defaqto.

Here are some of the things you will need to get home insurance

• Address of property, how many rooms the property has, date it was built
• Answer some security questions regarding the property, like does it have a burglar alarm fitted
• Who occupies it and many people live there
• How much would it cost to rebuild your house and how much content do you want to cover, if any

Frequently asked questions

Q: Can you get content insurance if you are a tenant?
A: Yes, you can get tenant’s content insurance.

Q: Will my insurance be valid if I don’t live in the property?
A: If your property is unoccupied for a long period such as 60 days in a row or more, then typically, you will not be covered by the insurance. You will have to get unoccupied or empty house insurance. Read our article: Unoccupied House – Empty Property Insurance.

High end home insurance

If you were looking for a high end-home insurance, then you can look at Hiscox’s home insurance.

If you are interested, read our review on Hiscox’ home insurance, here: Hiscox Home Insurance Review.

Alternative choice

For an alternative choice, check out the Defaqto 5-star rated home insurance from Tesco: Tesco Home Insurance.

Additional Information

Money Advice Service
For debt management and advice on how to pay for bills go here: Money Advice Service info page.

If you are looking for the best SIM only deal, read out article: Best SIM Only Deals UK – best SIM only plans available

If you are interested, check out: Best Bank Accounts for Bad Credit.

If you are interested in a loan, check out: Loan.co.uk.

If you would like more information insurance regulations, go to: Association of British Insurers.