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    Home Insurance

    Protect your happy place from as little as £163 a year.

    (10% of Admiral-level Instaquote customers paid £162.58 or less for a combined policy between May-Oct ’24)

    Three cover levels

    Take control by choosing the right level of cover for you and your family

    Flexible add-on options

    Personalise your cover with our optional extras to suit your needs

    5-star rated cover

    Our Platinum cover has achieved Defaqto's 5 Star Rating

    Get a quote
    Retrieve quote
    What's covered?

    What’s home insurance?

    Home insurance (or house insurance cover) financially protects your home. It can help you and your family if you experience events like theft, fire and floods.

    Home insurance has two parts:

    Buildings insurance covers the bricks and mortar, contents insurance covers your belongings. You can combine both.

    What does home insurance cover?

    Home insurance typically covers damage caused by:

    Storm

    Protection against severe weather as long as your home is well-maintained

    Fences, gates and hedges are not covered.

    Find out more about what to do during a storm and what to check afterwards on our storm weather hub.

    Escape of water

    We’ll help with burst pipes and other plumbing damage

    Theft or vandalism

    Safeguarding you from theft and damage caused by criminal activity

    Fire and smoke

    We’ll support you if fire or smoke damages your home

    Falling trees and branches

    Claim for the damage falling trees and branches caused to your home

    Collisions

    We cover your home against collisions involving vehicles, an aircraft and animals

    What isn't covered?

    Here are some common things home insurance doesn't cover:

    • damage caused by wear and tear
    • damage due to a lack of maintenance
    • breakdown of appliances
    • storm damage to fences, gates and hedges
    • deliberate damage
    • loss or damage caused by pests
    • loss or damage caused by pets through chewing, scratching, tearing, fouling or vomiting
    • claims where the excess is more than the value (for example, if the damage to an electrical appliance is £100 but you have a £200 excess, you can't make a claim)
    • claims where the home is left unoccupied for longer than the 'days unoccupied limit' and you haven't informed us beforehand

    However, always refer to your policy documents and check on MyAccount to see what is and isn't covered, plus your excess limits before contacting us.

    For more information on what's covered read our policy book.

    If you're an existing customer, please check MyAccount or your policy book to see your cover limits.

    Comparing our cover levels

    Good to know

    The table below shows the standard benefits and "up to" limits of each tier. You can customise these during a quote, and add optional cover like Accidental Damage.

    Admiral Admiral
    Gold    		 Admiral
    Platinum
    Unlimited buildings cover
    24-hour helpline
    Bicycle cover

    £350

    £350

    £350
    Contents cover

    £75K

    £100K

    £150K
    Alternative accommodation (Contents)

    £10K

    £15K

    £25K
    Alternative accommodation (Buildings)

    £30K

    £75K

    £100K
    Trace and access

    £2.5K

    £5K

    £10K
    Personal Possessions cover Optional Optional

    £2K
    Accidental Damage (Contents and Buildings) Optional Optional
    Home Emergency cover Optional
    Home Emergency Extra cover Optional Optional
    Family Legal Protection Optional Optional

    Which home insurance type is right for me?

    Combined home insurance

    Combined home insurance, often called home insurance, includes both buildings and contents cover on one policy. It's usually cheaper than buying buildings and contents separately.

    Buildings

    Buildings insurance covers the repair costs for damage to a home's structure and fittings. It also protects garages, outbuildings and anything else that's permanently fixed. It's designed to cover against damage caused by natural and manmade disasters. It's good for freeholders and is usually the bare minimum cover we recommend.

    Contents

    Contents insurance protects the belongings inside your home from theft, vandalism, fire and water damage. It’s usually the right option if you live in a flat or are a leaseholder.

    Do I need home insurance?

    Home insurance isn't a legal requirement, but it's recommended if you're responsible for a property's structure or its contents. Many mortgage providers require you to have home insurance when buying a property.

    I'm a homeowner

    As a homeowner you're responsible for damage to your property (if you're a freeholder) and its contents if you don't have insurance.

    I'm a renter

    Tenants Insurance, sometimes called renters insurance, protects your contents if you live in a shared home or flat. Your landlord usually covers your buildings insurance.

    I'm a landlord renting my property

    Landlord Insurance covers everything that buildings does, but it also covers matters like loss of rent if your property becomes uninhabitable due to damage or an accident.

    I rent out my home short-term

    Host Insurance is for homeowners who rent out their home on a short-term basis on sites like Airbnb.

    What's covered? Take a look now.

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

    look now

    How to claim on your home insurance

    Read your policy book

    Check the loss or damage is covered to avoid a rejection, plus any payable excess

    Prepare your information

    We need your policy number, incident date and the cause of loss or damage

    Contact us to make your claim

    Visit our make a claim page for our contact details or log into MyAccount

    We may ask for original receipts, invoices or valuations to support your claim. If you’re claiming for theft or vandalism, contact the police first as we’ll need your Crime Reference Number to start the claim.

    How to get a home insurance quote

    Tell us a bit about yourself

    We'll need to know your address, what cover you want (buildings, contents or combined), your name and date of birth.

    Agree to your price

    We'll show you assumptions we've made - check they're accurate and agree to your price.

    Pick your add-ons

    Choose an optional extra if it's right for you.

    Choose your tier of cover

    Decide if you need Admiral Cover, Gold or Platinum.

    How we calculate your home insurance price

    Here are a few rating factors that go into creating your home insurance premium.

    • Your address - Where you live is important, and some homes are more at risk of severe weather, crime and other factors that impact your price.
    • Your circumstances - Have you claimed before? All insurers look at your claims history when setting a price.
    • Property type - Your home’s building materials and the type of building you live in can all influence what you pay. For example, if you have lots of rooms and higher-end materials, your property will cost more to rebuild or repair, which your price reflects.
    • Security - Additional security features could bring down your price.
    • Flood risk - Your home could be prone to severe weather like flooding, which influences the cost.
    • Your cover level - For example, you’ll pay more for our Platinum cover, but you’ll get wider protection.
    • Taxes and government initiatives - Insurance Premium Tax (IPT) is a tax on insurance policies. Any changes to IPT and other government initiatives can change your price.

    For more information, read our home insurance price explained guide.

    Still have questions?

    We’ve answered a bunch of your frequently asked questions.

    Home Insurance FAQs

    Read more about home insurance

    What can invalidate your home insurance?

    What can invalidate your home insurance?

    Find out more
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    How to keep your garden protected with home insurance

    Protect your garden

    Award-winning cover

    Admiral Platinum Home Insurance has achieved Defaqto's highest 5 Star Rating

    Read more about our customers' experiences

    We care what our customers have to say about us.

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