Home Insurance

Combined cover with prices from just £97

10% of Admiral level Buildings and Contents customers from December 2015 to June 2016 paid less than £97. Arranging home insurance needn't be difficult, at Admiral we try to make it as easy as possible. ...More

Whether you want combined home insurance, contents insurance or buildings insurance, we have the policy for you.

We've answered lots of the most frequently asked questions on this page but if you aren't able to find an answer to your question, just give one of our friendly advisors a call.


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Flexible Home Insurance from Admiral

Choose from three levels of cover, each with a range of different features that you can tailor to suit you. You can select the most suitable cover for your needs online or over the phone with one of our advisors.

Our great value Home Insurance package covers the essentials.

Our popular Gold Home Insurance gives the value of Admiral cover with added extras.

Our full featured Platinum Home Insurance is for people who demand extra security and peace of mind.

Compare the levels of cover via our interactive image or our simple table below.

Here's what you can expect from Admiral Home Insurance

Admiral Home Insurance products come with a range of great features depending on the level of cover you choose. A waiting period applies before some cover is activated.

Up to £100,000 legal costs cover for property or employment disputes and personal injury claims as long as there reasonable prospects of your claim being successful.

Home Emergency Cover

Up to £500 for a tradesman to repair your hot water, central heating and plumbing in an emergency. Cover for home security and pest infestation.

Boiler Emergency Cover

Up to £500 emergency repair costs for central heating and hot water plus two call outs.

Accidental Damage Cover

Available on buildings and contents, for accidental damage to personal belongings, fixtures and fittings at home.

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Contents Cover (up to)




Boiler Emergency




Home Emergency




Family Legal Protection




Accidental Damage




Pedal Cycles




Personal Possessions




Use our interactive house image to visually compare Admiral, Gold & Platinum levels of cover.

What's covered?
Take a look now.

Step inside our interactive home to see what each tier of our Home Insurance covers.

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Here are four reasons to choose Admiral Home Insurance

Reliable – 24-hour emergency helpline

If the worst were to happen, we are just a call away any time of day or night.

Great value – pay as little as £97

You could pay as little as £97 if you insure your home with us.

Flexible cover – 3 levels of cover to choose from

You can tailor your cover to suit your needs, choose from Admiral, Admiral Gold or Admiral Platinum.

Quality unlimited buildings cover

The structure of your home - including permanent fixtures and fittings - are covered. Just one of the many benefits you can expect from us, no matter what level of cover you choose (eligibility criteria may apply).

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Why do you need Home Insurance?

Chances are your home will be the most expensive purchase you ever make. Not only that, it's also full of your most cherished possessions which is why different people need different types of home insurance. More...

If you're a home owner or a first-time buyer you may already be aware that for many mortgage providers, buildings insurance is a condition of the mortgage.

If you're a home owner and live in the property, you may want to purchase both buildings and contents cover as you're responsible for anything that happens to either your home or its contents.

Renters only need to look at contents cover as the property's landlord is responsible for the structural maintenance. However, you should always check the terms of your rental agreement to be sure.

The difference between buildings and contents cover

Buildings insurance covers the structure of your home and most things fixed down, while contents insurance covers your possessions - basically, the things you'd take with you if you move.

Buildings insurance

This covers the actual bricks and mortar of your home, if your walls, roof, ceiling, fitted kitchen and any other structural items were damaged, you would claim on this policy. Fire, water and malicious damage are all covered by Admiral Buildings Insurance.

It's important you calculate the rebuild cost rather than the estimated value of your home. Be sure to give an accurate valuation as over-estimating could leave you paying higher premiums, while under-estimating could result in you receiving a lower payout if you were to claim. This guide from the Association of British Insurers can help you work it out.

Contents insurance

This covers everything inside your house, things like your furniture and clothes are covered with Admiral.

It covers items in your home if they are damaged, lost or stolen up to £150,000 depending on the level of cover you choose. Just like with buildings cover you will need to estimate the value of the items you'd like covered in your home. If you’re not sure about what your contents are worth, use our helpful contents calculator for guidance.

You will need to tell us about any high risk items you or your family own which have a value of £1,000 or higher. For example this includes computers, laptops, audio visual equipment and jewellery. Read more about contents insurance.

Our customers love us

Look at what they're saying...

Very good customer service on the telephone and very helpful.

Marcus, York

Aug 2015

A thoroughly friendly, comprehensive and easy to follow process. Was a bit nervous of trying to get a quote ... But you folks made things very easy. Many thanks.

David, Chesterfield

Aug 2015

Professional staff took me through the process painlessly and saved me hundreds of pounds against my existing insurers quote.

James, Livingston West Lothian

Oct 2015

The ease of working with Admiral

David, Ballymena

Jun 2016

all good, no problems and satisfied with the service we received


Jun 2016

Like the cover for the boiler

Horace , Bridgend

Jun 2016

More reviews
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Admiral Home Insurance explained in 90 seconds

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Your questions answered

We're sure you'll love our great insurance products but maybe you have a few questions. You can find answers in this section.

Are mobile phones covered under my policy?

Mobile phones are covered up to the amount shown on your policy schedule. We will cover the handset but not mobile phone charges, loss of airtime or any damage caused by liquids.

Do I get personal possessions cover as standard?

You get personal possessions cover up to £2,000 as standard with Admiral Platinum cover but you can choose a higher amount than that if needed. You can add personal possessions cover to our Admiral Home and Admiral Gold.

It covers items which belong to you or your family, which are portable and normally worn, used or carried outside the home in everyday life such as handbags, headphones, tablets and also includes sports, musical and camping equipment. Your items will be covered up to the amount you require, subject to maximum limits.

If you have any pedal cycles that are worth under £350 and would like them covered while away from the home, be sure to include them in your personal possessions total.

If you have specified any high risk items over £1,000, they will be covered separately up to the amount you require per item. Our definition of high risk items can be found in your policy booklet.

What high risk items do I need to let you know about?

Our definition of high risk items can be found in your policy booklet so please check that carefully, but it includes things such as jewellery, watches, precious metals, works of art, sporting equipment, collectables, furs and musical instruments.

If you have any high risk items over £1,000 you will need to let us know about each of these items individually so we can add them to your policy. You can then choose to cover each item away from the home.

How do I send in proof of purchase or a valuation for an item?

In some cases, a proof of valuation or purchase receipt - dated within the last 3 years - is required within 30 days of the start of your policy. Photocopies or good-quality photographs are acceptable as long as they can be clearly read. They can be sent to us in a number of ways.

Please ensure that your policy number, beginning AD APT, is noted on any document you send:

  • Email - customerservices@admiral.com

How will I know if a claim is covered by my policy?

You can find details of your policy cover in your Policy Booklet along with your Home Policy Schedule. You may find this helpful before ringing us to report a claim.

However, if you would prefer to call us, one of our dedicated Claim Handlers will be happy to help and advise you further on your policy cover.

Why do you ask the rebuild value of my home instead of market value?

If your home is completely destroyed by an insured event we will pay the costs to rebuild it. We therefore look at how much it would cost to rebuild your home when calculating your premium.

Market value changes depending on economic conditions and also varies depending on location. For example, a four bedroom home in one area will have a much higher market value than in another, but this does not necessarily mean it will cost more to rebuild.

Is my fence covered for storm or flood damage?

All Admiral Home Insurance policies cover damage by storm or flood, however, any damage to gates, fences, or hedges is specifically excluded in these situations.

Do I need to keep damaged goods for my claim?

Yes, please keep any damaged items in a safe place. They may need to be inspected or used as evidence of proof of ownership - this may help us settle your claim faster.

What is an Excess and how do I know what excess I have on my policy?

An excess is the amount you must pay in the event of any claim. Just check your policy schedule for details of the excess that applies for the incident you are claiming for. More than one excess may apply and total excess may vary depending on the cause of the loss or damage.

Your excess will either be deducted from settlement of your claim, or alternatively, our appointed supplier will collect this amount from you.

What information will I need to provide when making a claim?

To ensure your claim is processed as quickly as possible it would be helpful if you could provide the following eight bits of information:

  1. Policy number
  2. Full address of the property covered
  3. Date and time of the incident
  4. Causes of the loss or damage
  5. Claim value if known
  6. Details of any person responsible for the incident
  7. Any relevant documents or photographs to support your claim
  8. A crime or loss reference number, if you've been a victim of theft, vandalism or lost items when outside of home

What if my circumstances change?

If your circumstances change, please let us know straightaway. Changes we don't know about could invalidate your insurance. If you're not sure whether you need to tell us about a change, just call us and check.

Please call our Customer Service Department to update a policy. Opening hours are from 8am-9pm Monday to Friday, 9am-5pm Saturday and 10am-4pm Sunday.

How do I make a claim?

Call our Claims Department or visit our make a claim page for more information on making a claim.

We're open Mon - Thu 8am - 9pm, Fri 8am - 6pm, Sat 9am - 5pm, Sun 10am - 4pm.

How long will it take to settle my claim?

It all depends on the circumstances - some claims are more straightforward than others. When you call to register a claim, our claim handlers will try to give you an idea of the timescales involved.

Will pedal cycles be covered under my policy?

Pedal cycles worth under £350 are covered while they are in the home if you have taken contents cover with us.

If you have any pedal cycles that are worth under £350 and would like them covered while away from the home, make sure you include them in your personal possessions total.

If you have a pedal cycle worth more than £350 you will need to let us know so we can add this to your policy. You must then opt to have this cycle covered away from home if required.

I'm a childminder, why did my price change when accepting my quote over the phone?

There are two possible reasons that could cause this to happen:

  1. If you look after children in your home (the address we insure) we need to include business use on your policy. If this detail is only updated when you call to accept the quote the price will be amended to reflect the risk.
  2. If you obtained your quote through a price comparison website you may find some do not ask business use questions required for us to provide an accurate price. When you call in we ask extra questions and this could change the premium quoted.
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