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:
- Buildings insurance
- Contents insurance
- Combined (buildings and contents)
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. |
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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. |
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Additional cover |
Add on any extras you want such as cover for any bikes over £350, high value items and personal possessions. |
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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. |
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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. |
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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. |
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Accidental Damage Cover |
Available on buildings and contents insurance, for accidental damage to personal belongings, fixtures and fittings at home.
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Your questions answered
We're sure you'll love our great products but maybe you have a few questions. You can find answers in this section.
What can I do while I wait for you to fix my boiler?
We apologise for the long waiting times - we hope Sedgwick will respond to you soon.
In the meantime, we have a video guide on what to do when your boiler stops working in cold weather. You can also read our article on how to prevent frozen pipes for proactive and reactive tips.
We also have more policy information on our Contents, Home Emergency Cover and Home Insurance pages.
Will my policy cover be affected by refugees staying in my home?
Your cover will continue as normal, as will your policy’s standard exclusions. Refugees will be regarded as a member of your household and therefore exclusions relating to visitors will not apply. You can check your policy details in My Account.
Does my policy provide any cover for refugees’ belongings?
If you have a contents insurance policy, or buildings and contents insurance policy your refugees belongings will be covered in the same way as a member of your household living with you.
You can check your policy details in My Account.
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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
Looking for something different?
Admiral offers great value with flexible options across all our Home Insurance products.
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Contents Insurance
Cover your home’s contents against theft, vandalism and damage
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Buildings Insurance
If your home’s damaged, Buildings Insurance covers the cost of repairing the structure and fittings
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MultiCover Insurance
Bundle the insurance for your cars and home and get a discount
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Landlord Insurance
Protect the home you’re letting, whether you’re renting to a family member or someone else
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Tenants Insurance
If you live in a shared house or flat, let Tenants Insurance cover the things you own
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Host Insurance
If your home is damaged by a paying guest, Host Insurance covers you
Read our useful guides
Useful guides

How to fix a dripping tap
An easy step-by-step guide to fixing a leaking tap in your home; you can do it in just four steps.
Read more
How much contents insurance do I need?
Find out how to get an accurate estimate for your contents insurance to make sure you have enough cover in place
Read more
Which side of the fence am I responsible for?
Avoid unnecessary hassle by knowing what you’re responsible for when it comes to garden boundaries
Read more