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
- 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. |
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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. |
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
Useful guides
How to prepare your home for winter
When temperatures drop, it's a good idea to carry out a few quick jobs around your home and garden to prepare for the colder months.
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
What to do if your house floods
If you’re worried about the risk of flooding, make sure you have all the facts about floods by reading this guide.
Read moreOur 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. |
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
- Contents
- 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.
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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
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Five-star rated Platinum Level Home Insurance from MoneyFacts
Moneyfacts, an independent research organisation, which rates UK finance companies on specific product features with an emphasis on those that could be most relevant to the consumer or company.
Products awarded 5 stars offer the most comprehensive policy benefits with stand‑out features.
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.
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Admiral.com Home Insurance is rated 9.1 out of 10 based on 8340 reviews from the last 12 months