Home Insurance

Five star Home Insurance. Great value cover with flexible options.


Admiral Platinum cover awarded a 5-star Moneyfacts rating

Award-winning cover

Awarded Highly Commended Insurance Provider 2021

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.

What's covered? Take a look now.

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

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.

Do I need to tell you if I’m planning to let refugees stay with me?

No, you don’t need to tell us if refugees will be living with you temporarily at your main residence as they would be considered as visitors. But you should contact us if they are still living with you at your next renewal.

If you’re thinking of providing a home for refugees in a second property that you own – such as a holiday home or rental accommodation – you will need to contact us to discuss this further.

Please call us on 0333 220 2090 if you have Admiral Home Insurance, or 0333 234 9965 if you have Admiral Landlord Insurance.

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.

Am I covered for liability while hosting refugees?

Cover for liability (as the owner or an occupier of your home) is included on all polices up to £1 million on the Admiral tier and up to £2 million on the Gold and Platinum tiers.

You can check your policy details in My Account.

Do I need to tell you if I’m planning to provide a home for refugees in a second property that I own?

Yes, you will need to contact us if you are providing accommodation for refugees in a holiday home or rental accommodation which is not classed as your main residence.

Please call us on 0333 220 2090 if you have Admiral Home Insurance, or 0333 234 9965 if you have Admiral Landlord Insurance.

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 chargers, 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:

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:

  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.

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?

Visit our make a claim page for more information on making 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. If you are an online customer you can view this document by signing in or registering to your account.

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

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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

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