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Home Insurance


Five star rated Platinum Home Insurance

5 stars

Moneyfacts: Home Insurance 2017

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Flexible cover from Admiral

Choose from three levels of cover, each with a range of different features that you can tailor to suit you. You can select the most suitable cover for your needs online or over the phone with one of our advisors.

Admiral Cover

Our great value Home Insurance package covers the essentials, including these benefits and optional extras.

  • Unlimited Buildings Cover (eligibility criteria applies)
  • Up to £50,000 Contents Cover
  • 24-hour Emergency Helpline
  • Optional Home Emergency Cover
  • Optional Family Legal Protection
  • Optional Accidental Damage Cover
  • Includes £350 Bicycle Cover. Optional cover available for bicycles worth more than £350
  • Optional Personal Possessions Cover

Gold Cover

Our Gold cover includes Boiler Emergency Cover as standard. This provides up to £500 per call out for a tradesperson to make a temporary repair in an emergency to your hot water or central heating system. You can make a maximum of two claims during the policy term and claims can be made 14 days after the policy start date.

  • Unlimited Buildings Cover (eligibility criteria applies)
  • Up to £75,000 Contents Cover
  • 24-hour Emergency Helpline
  • Boiler Emergency Cover
  • Up to £5,000 Trace and Access Cover - covers the cost of detecting and repairing the source of a water leak
  • Optional Family Legal Protection
  • Optional Accidental Damage Cover
  • Includes £350 Bicycle Cover. Optional cover available for bicycles worth more than £350
  • Optional Personal Possessions Cover
  • Optional Home Emergency Cover

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 and repairing the source of a water leak.

Our products come 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.

Up to £100,000 legal costs cover for property or employment disputes and personal injury claims as long as there reasonable prospects of your claim being successful. A waiting period applies before some areas of cover are activated and events prior to the start date are not covered.

Home Emergency Cover

Up to £500 for a tradesman to provide a temporary repair to plumbing and central heating to contain an emergency. Cover for home security and pest infestation. Claims can only be made 14 days after the policy starts

Boiler Emergency Cover

Up to £500 temporary repair costs for central heating and hot water plus two call outs.

Accidental Damage Cover

Available on buildings and contents, for accidental damage to personal belongings, fixtures and fittings at home.

See what our customers are saying

I was impressed with the wide range of cover offered for a competitive price. The excess is reasonable and as I have already stated the range of cover is excellent.

Andrew, Normanton

Oct 2017

Telephone operative was very good; efficient and friendly

Martin,

Oct 2017

Good all round service

David, Derby

Oct 2017

Find out which product is right for you

Tell us more about yourself so we can provide the perfect cover for your needs.

Are you a...

Do you rent your property on Airbnb?

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Are you sharing with friends, living with your family or living on your own?

Sharing with friends Living with your family Living on your own

Admiral Landlord Insurance is here to protect you from the unexpected.

Find out more

Host Insurance gives you peace of mind as it can cover your home if it's damaged by one of your paying guests.

Find out more

Tenants Insurance has great features and benefits for students and those in shared accommodation looking for contents insurance.

Find out more

Admiral offers three levels of cover for Contents Insurance built for your needs.

Find out more

Admiral offers three levels of cover for Contents Insurance built for your needs.

Find out more

Do you need Contents, Buildings or Combined cover

Contents Buildings Combined

Admiral offers three levels of cover for Contents Insurance built for your needs.

Find out more

Admiral offers three levels of cover for Buildings Insurance built for your needs.

Find out more

You can find out more about Combined insurance further down this page or get a quote now.

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What's covered?
Take a look now.

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

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Why do you need Home Insurance?

Home insurance protects your house and everything inside it including the fixtures, fittings and all of your belongings. It will cover theft and damage to your property caused by fire and bad weather, and will protect your possessions against theft, damage and loss.

Chances are your house will be the most expensive purchase you ever make. Not only that, it's filled with your most cherished possessions. And 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 and combined.

What type of cover do I need?

If you're a homeowner and live in the property, you may want to purchase a combined policy which includes both buildings and contents cover as you're responsible for anything that happens to your home and its contents.

Renters only need to look at contents cover as your landlord is responsible for the structural maintenance. However, you should always check the terms of your rental agreement to be sure.

If you're already a homeowner, or you're a first-time buyer, you will 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 and any other structural items were damaged, you would claim on this policy. Fire, water and malicious damage are all covered by Admiral Buildings Insurance.

It's important you calculate the rebuild cost rather than the estimated value of your home. Be sure to give an accurate valuation as over-estimating could leave you paying higher premiums, while under-estimating could result in you receiving a lower payout if you were to claim. Read our calculating rebuild costs guide to help with the sums.

The difference between buildings and contents cover

While buildings cover protects the structure of your home and most things fixed down, '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 in your home such as your furniture, clothes and electrical items if they are damaged, lost or stolen, up to £150,000 depending on the level of cover you choose. Just like with a buildings policy, you'll need to estimate the value of the items you want covered in your home. To help you work out what your contents are worth, use our contents calculator for guidance.

You will need to tell us about any high risk items you or your family own which are worth more than £1,000. Think of things like computers, laptops, audio visual equipment and jewellery. Read more about contents insurance.

What information do I need to get a home insurance quote?

It’s easy to get a home and contents insurance quote with Admiral – and it takes less than 6 minutes to get a price.

Once you’ve decided which type of cover is right for you, click on the get a quote button and have the following details ready:

1. Property details

You’ll need information about the property you want to insure including:

  • Number of rooms
  • Year property was built
  • How it’s heated
  • Security systems and locks

2. Who lives there?

You’ll need information about the property you want to insure including:

  • The people living in the property
  • Occupants’ job titles and marital status
  • Who owns the property
  • How often it’s left empty

3. Exterior details

Moving to outside of the property, we want to know about:

  • Roof type
  • Signs of subsidence
  • Trees taller than 10m close to your property
  • Previous flooding

4. Rebuild costs and cover needs

In this final section we ask for:

  • Rebuild costs (we will help you estimate this in your quote journey)
  • Value of your contents – we have a handy calculator to help you with this
  • Any bikes and valuables (worth more than £1,000) you want to cover

If you’re looking for cheap home insurance get a quote with Admiral – you could pay as little as £97 if you insure your home (10% of Admiral level combined customers from February to July 2017 paid less than £97)

5 golden stars

Five-star rated 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.

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 any pedal cycles that are worth under £350 and would like them covered while away from the home, be sure to include them in your personal possessions total.

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 - customerservices@admiral.com

Will pedal cycles be covered under my policy?

Pedal cycles worth under £350 are covered while they are in the home if you have taken contents cover with us.

If you have any pedal cycles that are worth under £350 and would like them covered while away from the home, make sure you include them in your personal possessions total.

If you have a pedal cycle worth more than £350 you will need to let us know so we can add this to your policy. You must then opt to have this cycle covered away from home if required.

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?

Call our Claims Department or visit our make a claim page for more information on making a claim.

We're open Mon - Thu 8am - 9pm, Fri 8am - 6pm, Sat 9am - 5pm, Sun 10am - 4pm.

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:

  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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