Home Insurance

1 in 10 win a £50 amazon.co.uk gift card with Admiral.

Get home insurance between the 8th November and 20th December for free entry to our Amazon prize draw. T&Cs apply.

Terms and Conditions More about home insurance

Award-winning cover

Awarded Highly Commended Insurance Provider 2022

Awarded Moneyfacts’ highest five star rating

Best Home Insurance Provider 2019

Why do you need home insurance?

Home insurance protects your house and everything inside it, including the fixtures, fittings and all your belongings. It covers theft, damage to your property caused by fire and bad weather, and damage and loss of your possessions.

Your home will probably be the most expensive purchase you ever make. Not only that, it's filled with your most cherished possessions.

Because no two homes are the same, we offer different types of home protection to make sure homeowners, renters and landlords all get the right cover.

There are three main types of home cover:

Flexible home insurance from Admiral

We know no one wants to spend ages at a computer answering loads of questions to get a home insurance quote, which is why we’ve made it quicker and easier for you to get your home covered.

Choose from three levels of cover - each with a range of different features. Select the most suitable cover for your needs online or over the phone with one of our friendly team.

Platinum Cover

Our full featured Platinum package is our top level cover. It’s designed for customers who want extra security and peace of mind.

  • Unlimited Buildings Cover (eligibility criteria applies)
  • Up to £150,000 Contents Cover
  • Home Emergency Cover - including cover for your boiler
  • Family Legal Protection
  • Accidental Damage Cover on both buildings and contents
  • Up to £2,000 of Personal Possessions Cover
  • 24-hour Emergency Helpline
  • Includes £350 Bicycle Cover. Optional cover available for bicycles worth more than £350
  • Matching Items Cover - if we can’t repair or replace a part of any matching suite like for like, we will replace the whole set.
  • Up to £10,000 Trace and access cover - covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.

Get a quick home insurance quote with InstaQuote

You’ll get a quick quote for your house insurance after answering just four questions‑easy! Here’s how it works:

Tell us about yourself

Let us know your address, the type of cover you want (buildings, contents or both) and your full name and date of birth.

Get your price

Here we show you nine assumptions we’ve made to help cut out a lot of the usual questions – check them to make sure they're all OK and get your price.

Additional cover

Add on any extras you want such as cover for any bikes over £350, high value items and personal possessions.

Select your cover

We have three tiers to choose from - then pay. It's really that simple.

Our home insurance comes with a range of great features

A waiting period applies before some cover is activated. Take a look at our optional extras to find out more.

Family Legal Protection

Up to £100,000 in legal costs to cover claims such as: property and employment disputes, along with personal injury claims. There must be reasonable prospects of success, meaning your claim must have 51% or more chance of success. You'll get a dedicated advice line and a team of solicitors if you need to make a claim. Anything before your cover start date isn’t covered and waiting periods apply before some areas of cover.

Home Emergency Cover

24-hour emergency call outs if you suffer an emergency that results in total failure. You'll get up to £500 for call out charges, parts and labour for temporary repairs for things like plumbing, roofing, hot water, central heating systems and pest infestation. Claims can be made seven days after your cover starts, and incidents must be reported within 48 hours.

Boiler Emergency Cover

24-hour emergency call outs if you suffer an emergency that results in total failure. You'll get up to £500 for call out charges, parts and labour for temporary repairs for things like central heating and hot water emergencies. Two claims can be made per policy term. Claims can be made seven days after your cover starts, and incidents must be reported within 48 hours.

Accidental Damage Cover

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

Terms and conditions Amazon.co.uk Gift Card Home Prize Draw

Terms and Conditions for entry into a Prize Draw to win a £50 Amazon.co.uk Gift Card for existing car customers who add an Admiral Home Policy to their existing Car Policy or who purchase a new Home Policy.

  1. Admiral is a trading name of EUI Limited. (Reg No: 02686904) whose registered address is Ty Admiral, David Street, Cardiff, CF10 2EH (the "Promoter")
  2. This prize draw (the “Prize Draw”) is open to new customers and existing car insurance customers who receive the Admiral promotional email.
  3. Entrants into the Prize Draw shall be deemed to have accepted these Terms and Conditions.
  4. Prize Draw details: (i) new customers who buy a Home Insurance Policy, any tier, directly via www.admiral.com or via telephone and who have received the Admiral promotional email; and (ii) existing car insurance customers who add a Home Policy to their existing Car Policy and who have received the Admiral promotional email will be automatically entered into the Prize Draw where 1 in 10 entrants will win a £50 Amazon.co.uk Gift Card (the “Prize”).
  5. The Prize Draw opens on 8th November 00:01am (the "Opening Date") and closes on 20th December 2022 (the “Closing Date”). Any Admiral Home Insurance policies purchased before the Opening Date or after the Closing Date will not be eligible for entry into the Prize Draw.
  6. Quotes accepted on price comparison websites or started via price comparison websites and completed through the Promoter via telephone will not be eligible for entry into the Prize Draw.
  7. Only one entry into the Prize Draw per person. Entries on behalf of another person will not be accepted and joint submissions are not allowed.
  8. Winners will be chosen from a random draw of entries received in accordance with these Terms and Conditions. The Prize Draw will be performed by a random computer process. The draw will take place within 21 days of the closing date.
  9. Each winner will receive an Amazon.co.uk Gift Card of £50.
  10. The winners will be notified by email within 28 days of the Prize Draw closing.
  11. The Prizes will be sent by email to the winners in the form of Amazon.co.uk Gift Cards.
  12. The Prizes are non-exchangeable, non-transferable, and is not redeemable for cash or other prizes.
  13. Admiral retains the right to substitute the Prizes with another prize of similar value in the event that the original Prize offered is not available.
  14. Should the customer cancel their policy at any point during the 14-day policy cancellation period, the Promoter's standard cancellation terms will apply and the customer will no longer qualify for entry into the Prize Draw.
  15. Entrants will require access to the internet to enter the Prize Draw. The Promoter shall not be liable for any technical or computer failures of any kind that limit or prevent any entrant entering the Prize Draw and/or prevent any entrant from purchasing an Admiral Home Insurance policy.
  16. Applications for insurance policies provided by the Promoter are subject to its normal terms and conditions including underwriting criteria. The Promoter reserves the right to decline any application for any insurance policy at its absolute discretion and is not obliged to disclose any reason for rejection. In these cases, the customer will not be eligible for entry into the Prize Draw.
  17. Any fraudulent activity or abuse relating to the promotion may result in the forfeiture of the promotion and termination of the insurance policy.
  18. Entries that are incomplete, delayed, not received for whatever reason or not in accordance with the entry instructions will not be accepted.
  19. Participants can request the winners' names and countries of residence any time after the Closing Date and before 9th January by sending a stamped self-addressed envelope to EUI Limited, ECRM Team, Marketing Department, Tŷ Admiral, David Street, Cardiff, CF10 2EH.
  20. This promotion is in no way sponsored, endorsed or administered by, or associated with Amazon.
  21. The Promotor shall not be liable for any failings, disruptions or cancellations cases to the Prize Draw unless they are caused by the Promotor's negligence.
  22. These terms and conditions are to be governed by English law and are subject to the exclusive jurisdiction of the English and Welsh courts.

What's covered? Take a look now.

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

What assumptions are made in your home insurance InstaQuote?

We mention above that we make some assumptions about your home and the people living there to speed up the home insurance quote process.

If you agree to these, you’ll get a price.

Once you have your price, you just need to check the details, including your voluntary excess and the date the cover starts. After that, all that’s left to do is pay.

We assume your property:

  • Hasn't been flooded in the last 25 years, including the land it stands on
  • Hasn't suffered from subsidence, heave or landslip in the last 25 years
  • Has walls built of brick, stone, concrete or brick with timber
  • Has a roof made of tile, slate, concrete or asphalt
  • Isn't used for business, other than clerical work
  • Isn't a Grade 1 or 2* listed building
  • Isn't undergoing any building work
  • Is your permanent residence

Nobody living at the property

  • Has any unspent or pending criminal convictions

View other home insurance options

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