Home insurance quotes

You’re just one quick and easy search away from seeing multiple home insurance quotes — it’s never been easier to find the right policy.

What’s home insurance?

If your home is your castle, then home insurance is your knight, preserving against misfortune and plunder — or at least fire, theft and other property hazards.

As the saying goes, good things come in threes, and you can choose between buildings insurance, contents insurance, or a combined buildings and contents policy.

The difference? Buildings insurance covers the bricks and mortar, while contents is everything that would fall out if you took the roof off, turned your gaff upside down and gave it a shake.

Get informed

Climb up to the Home insurance loft for guides, tips and help

Work out what locks you have

Should I take out building insurance?

We don’t want to scare you, but your home could be damaged by:

Flood

Fire

Subsidence

Vandalism and criminal damage

Weather damage

But luckily, your building insurance should cover these ‘perils’.

Do you own a bungalow? A terrace? A semi a farmhouse or a palace?

Then it’s likely you’ll need buildings insurance to protect it from all these dangers.

If you’re a tenant, you’ll probably only need contents cover.

Do I need contents insurance?

Contents insurance will protect all your prized possessions from theft or damage when they’re in your home.

You could also choose a policy that has ‘personal possessions cover’, either as standard or bolted on as an optional extra, to safeguard your stuff when you take it with you out and about.

Home insurance you can trust

You don’t need to take our word for it.

When you search with GoCompare you’ll have access to advisory Defaqto star ratings to help you pick a policy that’s hot to trot with all the features you need.

You’ll know all about the level of cover, features and benefits each policy offers before signing up.

Ready to get a home insurance quote?

To get a home insurance quote, you need to make sure you have a few bits of information about your abode to hand first.

We’ll help you every step of the way, but be ready to answer questions about the people living there, the ownership status, claims history, whether any occupants smoke, and if the property is left unoccupied, plus basic personal details, and more technical details about your home:

Approximate age of the property

Wall and roof construction

If it’s a listed building

Distance from water

Business use

If it’s up for sale

State of repair and ongoing building work

Central heating

If it’s self-contained or has extensions, garages or outbuilding

History of subsidence, landslip, heave or tree damage

You’ll also be asked about the types of locks that are used on external entry points.

If you’re unsure, we’ve got a guide and video that’ll help you easily identify your locks.

For contents cover, you’ll need to estimate the value of your possessions and for buildings cover you’ll have to state your home’s market value and rebuild cost.

Luckily, we’ve got helpful guides and tools on all this and more stashed in our Home insurance loft — an area dedicated to home and contents information.

Need to know more about home insurance?

Home truths

In 2017, 56% of householders said they had last switched more than a year ago, potentially missing out on cheaper premiums[2]

In 2017, 28% of householders say they’ve never switched home insurance[3]

If you’re still in the dark about how to protect your home’s unusual features or safeguard against the elements, GoCompare has a catalogue of home insurance guides and videos to illuminate your way.

And, if you need to get informed about expensive issues such as flooding, security, fire, damaged pipes, subsidence risk and weather damage, our guides can answer a lot of questions and point you in the right direction.

We discuss the bells and whistles of add-on cover, such as accidental damage cover, home emergency protection, legal expenses or cover for possessions outside the home, so you can decide if you need it, or not.

Read more about bicycle insurance, jewellery cover, freezers, DIY, matching sets, and digital downloads, flat insurance, garden insurance, flat roofs, thatched roofs and mobile phone and gadget cover, and you can try our top tips for saving even more money on home insurance quotes.

Comparing home insurance — what you will need ready

Before you start to compare home insurance quotes, you’ll need to be able to tell us:

The approximate rebuild value of the property you want to insure – don’t worry if you don’t know exactly, just tell us the rough amount

Details of the types of locks on the doors and windows of the property

Roughly how old the property is

The rough value of the contents of the property and any items worth over £500

Details of your current home insurance deal, your no claims bonus, and any claims you’ve made

Find cheap home and contents insurance deals

Our home insurance comparison service is free and simple – and could save you money when you compare and switch

You can get a home insurance quote and guidance to help you find cheap building insurance through our home insurance comparison tool.

Check the latest home insurance rates and use uSwitch to get low cost home insurance quote today.

Ways to reduce home and contents insurance costs

There are a number of ways to reduce the cost of your home contents insurance – here are our top five:

Try not to make a claim on your home insurance unless you’re really left with no alternative – the fewer claims you make, the lower your premium should be

Make your home more secure by fitting good quality locks to all accessible doors and windows, and consider fitting a burglar alarm

Fit and regularly test a smoke alarm

Increase the excess – the higher the voluntary excess, the lower your home insurance premium should be

Insurers tend to offer cheaper home insurance premiums if your house is occupied – if you go on holiday for more than 28 days at a time and leave the property unoccupied, they could charge you extra

For more ideas on how to reduce your home insurance costs, read our home insurance guides .

Compare and find cheap home insurance

Simply enter your details and we’ll show you a range of cheap home insurance quotes.

If you’re looking for cheap home insurance, you can compare building insurance quotes with uSwitch. You may also want to read our guides to building and contents insurance and see if you can get more from switching.

House and contents insurance comparison websites

Home insurance comparison sites will help you compare home insurance rates from a range of providers.

Along the way you may also get some home insurance offers and low cost home insurance options that are exclusive to to each comparison site, but it’s wise to make sure guidance is impartial and has your best interests in mind.

Bad service and poor cover can make the home insurance cost sting, even if you got a ‘great deal’.

The difference between building and contents insurance

Simply put, buildings insurance covers damage to the main structure of your home while contents insurance covers damage to the possessions held inside.

You can compare building insurance or compare home insurance prices for your contents.

Both types of insurance tend to cover damage caused by:

Fire

Explosion or earthquake

Theft or attempted theft

Riots or vandalism

Lightning, storms, falling trees, or flooding

Subsidence

Moving objects, such as a car hitting your home

Escaping or leaking water or oil

You can choose to take out buildings and contents insurance separately or together – unlike some home insurance comparison sites our tool enables you to do both.