Home Insurance Provider of the Year
Awarded Moneyfacts’ highest five star rating
Best Home Insurance Provider 2019
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.
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
- House 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 and repairing the source of a water leak.
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.
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.
What assumptions are made in your quick home insurance quote?
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
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 placeRead 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 boundariesRead more
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.
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:
- Combined (buildings and contents)
What type of cover do I need?
If you're a homeowner and live in the property, you may want to purchase a combined buildings and contents insurance policy.
Renters only need to look at contents cover as your landlord is responsible for the structural maintenance. However, you should check the terms of your rental agreement to be sure.
If you're already a homeowner, or you're a first-time buyer, you’ll be aware that buildings cover is a condition of a mortgage offer.
What is buildings insurance?
This cover protects the bricks and mortar of your home. If your walls, roof, ceiling, fitted kitchen or any other structural items were damaged, you'd claim on this policy. Fire, water and malicious damage are all covered by Admiral Buildings Insurance.
Often one of the most confusing parts of a home insurance quotes is calculating the rebuild cost as it’s different to the estimated value. Over-estimating could mean you pay too much for your insurance, while under-estimating could mean you receive a lower pay-out if you claim. With InstaQuote, we do all this for you behind the scenes, so you don’t need to get the figure.
If you don't get an InstaQuote price and need to speak to one of our advisors, don’t worry – we have a great guide on ‘calculating rebuild costs’ to help you with the sums.
What’s the difference between buildings and contents insurance?
While buildings cover protects your home’s structure, ‘contents’ covers your possessions – basically, the things you'd take with you if you move. A contents insurance policy isn't compulsory, but could you replace everything in your home if it was stolen or damaged?
Contents cover protects items such as furniture, clothes and electrical items if they’re damaged, lost or stolen. Depending on your level of cover, your contents can be up to the value of £150,000.
As with a buildings policy, you'll need to estimate the value of the items in your home you want covered, but with InstaQuote, we do this for you. If you don’t get a price online and speak to one of our advisors they’ll talk you through this part and you can use our handy contents calculator to work out the value of your belongings.
Looking for something different?
Admiral offers great value with flexible options across all our Home Insurance products.
Cover your home’s contents against theft, vandalism and damage
If your home’s damaged, Buildings Insurance covers the cost of repairing the structure and fittings
Bundle the insurance for your cars and home and get a discount
Protect the home you’re letting, whether you’re renting to a family member or someone else
If you live in a shared house or flat, let Tenants Insurance cover the things you own
If your home is damaged by a paying guest, Host Insurance covers you
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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.
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.
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.
Is my fence covered for storm or flood damage?
All Admiral Home policies cover damage by storm or flood, however, any damage to gates, fences, or hedges is specifically excluded in these situations.
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 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.
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 is noted on any document you send:
- Post - FREEPOST EUI LTD
- Email - firstname.lastname@example.org
Will pedal cycles be covered under my policy?
Bicycles worth up to £350 are automatically covered in and away from your home with Contents Insurance.
Bicycles worth more than £350 need to be listed individually on your policy and ‘Cover Away from Home’ selected to make sure they're covered outside the home. Find more information on the bicycle cover page.
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.
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:
- 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.
- 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.
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.
How do I make a claim?
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.
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-8pm Monday to Friday, 9am-5pm Saturday and 9.30am-4pm Sunday.
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:
- Policy number
- Full address of the property covered
- Date and time of the incident
- Causes of the loss or damage
- Claim value if known
- Details of any person responsible for the incident
- Any relevant documents or photographs to support your claim
- A crime or loss reference number, if you've been a victim of theft, vandalism or lost items when outside of home