Have you ever been concerned about protecting your home, assets, and mortgage lender’s investment despite unforeseen damage to the property?
Home insurance is an important aspect to help you with such costs. Most British consider their homes as their most valuable asset.
And for this significant asset, the right coverage is essential. This type of insurance covers the costs of repairing, rebuilding, and replacing the contents of the building if they get damaged, or lost because of any unwanted event.
However, choosing the best home insurance company UK makes sense. So, if you are interested to know about home insurance companies Uk then this article is for you.
Here, in this article, I am going to wrap together the 7 best home insurance companies UK, in 2024.
What is a Home Insurance?
Home insurance is a type of property insurance that covers damages and losses to any individual’s residence.
It also includes furnishings and other assets in the home. Home insurance also provides liability coverage against accidents on the property or in the home.
This insurance generally covers interior damage, exterior damage, damage or loss of personal assets, and injury that arises while on the property.
Each home insurance policy has a liability period that ensures the amount of coverage that any insured person will get if an unfortunate incident occurs.
7 Best Home Insurance Companies UK
1. More Than
More Than is one of the best home insurance companies that launched in 2001 and provides insurance for pet, vehicle, and home insurance premiums to policyholders.
When it comes to home insurance, it has made the claim much easier than other insurance companies. It duplicates policy documents and finds out policy excess with any home insurance policies they have.
This policy provider does not offer any no-claim discount to the homeowners even if they have an excellent claim history. It offers various home insurance policy features that you may want to consider as a new homeowner.
Key Features
- covers damaged electric lines/ wires
- damaged water pipelines
- broken windows/doors/ floors/walls
- Damaged due to rail or road construction
- damaged due to natural calamities such as windstorms, free, lightning, or hails.
2. Direct Line
Direct Line is one of the best home insurance companies in the UK that has been offering its best premiums for 35 years.
It has millions of policyholders. Its main insurance policies include pet, vehicle, travel, and home. also, it offers life insurance.
Direct Line also offers debt consolidation personal loans, which can assist you in financial planning and achieving specific financial goals.
Direct Line is ready to offer building insurance, Contents insurance, and Trace and access.
Key Features
- Building Insurance covers the main structure of your home if you rebuild or repair it after a theft, fire, or flood.
- Contents Insurance covers the value of all your possessions in the home.
- Trace and access insurance covers replacing any part of the building that needs to be removed to get escaping water out.
3. LV
LV is one of the largest UK insurance providers, offering premiums to the UK people for more than 175 years.
This insurance provider offers home insurance making this provider one of the best UK home insurance companies.
Some of the best home insurance features that this company offers include a multi-cover discount, which will be available if you include building insurance and contents coverage with LV.
They provide Essentials, Home, and Home Plus tiers, so you can choose from these three to cover different levels of coverage.
Key Features
- Your underground cables, pipes, and drains will be covered by the policy
- breakage and damage to fixtures and fittings such as windows, toilets, and baths
- Your mirrors and home entertainment equipment will be covered
- household items such as beds, sofas, rugs, curtains, and carpets will be covered
- Loss or damage to the structure of the home
- your roofs, windows, walls, and doors are covered
4. Admiral
Admiral is one of the UK’s best companies for home insurance and it has offered motor insurance since 1993.
But now, it is providing home and travel insurance policies to a huge number of UK customers.
Admiral offers comprehensive policies to the customers in several ways so that they can protect their property and assets.
Admiral provides three tiers of home insurance including Admiral, Admiral Gold, and Admiral Platinum. With each tier, you will be receiving different options and amounts of coverings.
There are some optional ad-ons of the Admiral, and Gold policies including home emergency cover, building accidental damage cover, and family legal protection.
Key features
- Contents insurance cover theft, fire and water damage, and vandalism.
- Building Insurance covers unlimited building sum insured, alternative accommodation, replacement locs,
- 24-hour emergency service
- plumbing installation
- Flood Insurance
5. Aviva
Aviva was the leading UK home Insurance company in 2017, and it will remain incredibly popular in the coming years.
More than 720,000 homeowners now protecting their homes and content with this home Insurance provider.
If you choose Aviva, one thing you must consider is that it does not offer combined buildings and contents Insurance.
With the home Insurance and ad-ons, Aviva offers, you can get protection for your property damage, home emergency, and accidental damage cover, and legal services coverage.
It is possible with Aviva to receive a no-claims discount for up to five years.
Aviva provides the discount based on the years you have a claim-free policy. Aviva offers building Insurance, Contents Insurance, Landlord Insurance, tenant and renter Insurance policies.
Key Features
- Walls, roof, windows, and pipes are come under the Buildings Insurance
- Contents Insurance covers damage to contents from fire, theft, or flooding
- Emergency helpline
- Boiler emergency cover
- Replacement locks
- Alternative accommodation
6. Axa
Car, business, health, and landlord are some types of insurance that Axa offers, but it also offers home insurance policies to its customers.
Its policies have won awards, making it one of the best insurance providers in the UK. Axa offers its policies to more than 100 million customers across the globe and in more than 57 countries.
Axa’s home insurance includes three tiers of policies that include several add-ons. You can choose from buildings, contents, new buildings, flats, and home insurance categories.
Key features
- accidental damage coverage
- legal expenses cover
- loss from fire, theft, flood, and storm
- escape of water and oil
- Emergency home assistance
- Alternative accommodation
- Accidental damage to entertainment equipment
- Replacement locks
- Accidental damage to fixed glass
7. Lloyds banks
Lloyds Bank has been offering its financial advice to the homeowners of the UK since 1765. It offers several deals to customers and makes it easier to claim and manage your home insurance policy.
With Lloyds, you can get three types of home insurance policies- Combining buildings and contents insurance policies, building insurance, and contents insurance.
The combined Building and content insurance cover the structure of your home and the things you owe. The Building insurance policy covers your home’s structure and outbuilding too.
The Contents insurance policy covers the things you own in your home.
Key features
- structure of your home and outbuildings
- roofs, walls, ceilings, windows, and doors are come under the coverage
- Permanent fixtures such as fitted kitchens and bathroom
- damaged caused by theft, fire, flood, storm, subsidence, and vandalism
FAQ
Which is the best home insurance company in the UK?
Ans: There are several home insurance providers in the UK, which offer the best deal to UK customers. Axa Home Insurance is one of the best home insurance providers that offers buildings and contents Insurance. Additionally, offers several extra options allowing the homeowners to tailor their home coverage.
Which Home Insurance company has the highest number of customer satisfaction in the UK?
Ans: Admiral Home Insurance Company’s overall customer satisfaction has been revealed on the Internet, It is ranked as the best home insurance provider, and it has the highest customer satisfaction.
Which is the most trusted home insurance company in the UK?
Ans: Home Insurance acts as a financial safeguard for your home and personal possessions There are numerous home Insurance providers in the UK, which analyze every detail of their quotes, and assess their quotes. However, Direct Line is one of the most trusted home insurance companies as it manages all the claiming procedures very smoothly.
Who is the biggest insurance supplier in the UK?
Ans: Aon Plc is the biggest insurance agency in the UK. It has an overall reach traversing more than 120 nations and regions, and a 60,000-in number worldwide labour force.
Conclusion
For most of us, our homes and the contents of our homes are the biggest investments in our lives. Home Insurance protects those investments, so it assures you that you will never be left to foot a bill for emergencies like fire, theft, flood, storm, burglary, or subsidence.
Here, in this article, I have wrapped together the 7 best home insurance companies UK and also included every detail of the policies. So, you can go through the guide and choose one insurance policy from my listings and protect your home and contents in case of any emergencies.
Home Insurance is also beneficial like your car, travel, and health insurance coverages.
