Home Insurance

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

5-star

Admiral Platinum cover awarded a 5-star Moneyfacts rating

Award-winning cover

Awarded Highly Commended Insurance Provider 2022

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?

We cover mobile phones up to £1,000 in value under contents policies when inside the home. 

If you want to cover mobile phones worth over £1,000 you must tell us about them so we can add them to your policy. 

We don't cover any mobile phone charges or loss of airtime.

What high risk items do I need to let you know about?

High-risk items include jewellery, watches, precious metals, works of art, sporting equipment, collectables, and musical instruments.

You can find our full definition of high-risk items in your Policy Book

You don’t need to tell us about any high-risk items valued at £1,000 or less.  

If you have any high-risk items over £1,000 you must tell us about each of these individual items so we can add them to your policy. You can then choose to cover each item while you're away from home.

Is my fence covered for storm or flood damage?

All Admiral Home Policies cover damage caused by storm or flood, however gates, fences, or hedges are excluded in these situations.

Do I get Personal Possessions cover as standard?

Our Admiral Platinum cover includes personal possessions cover up to £2,000 as standard. You can increase this if needed. 

You can add personal possessions cover on Admiral and Admiral Gold cover.

Check your Home Policy Schedule for cover limits.     

If you have specified any high-risk items over £1,000, they'll be covered separately up to the amount you require per item. Our definition of high-risk items is in your Policy Booklet.

For more information, read our personal possessions cover guide.

How do I send in proof of purchase or a valuation for an item?

If we need proof of valuation or purchase receipt, it must be dated within the last three years and sent to us within 30 days of your policy start date.

Photocopies or good-quality photographs are acceptable if they're clear and readable. Your policy number must be on all documents you send to us.

You can send us proof of valuation in two ways:

Are bicycles (pedal cycles) covered under my policy?

Bicycles worth up to £350 are automatically covered in and away from your home with our Contents Insurance.     

Bicycles worth more than £350 need to be added to your policy individually. Find more information on the bicycle cover page.

Do I need to keep damaged goods for my claim?

If it's safe, please keep any damaged items in a safe place as we may need to inspect them or use them as evidence for your claim. This may help us settle your claim faster.

I'm a childminder, why did my price change when accepting my quote over the phone?

Some price comparison websites don't ask if you run a business from home. Without this information, your quote isn't accurate.

When you call us, we'll ask you extra questions like business-use which can affect your quote price.

How can I check 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 contacting us to report a claim.

However, if you'd prefer to contact us, one of our dedicated Claims team can help you further on your policy cover.

Why might Admiral ask the rebuild value of my home instead of market value?

If your home's destroyed, and your claim is valid, we pay the costs to rebuild it. This means we need to know the rebuild cost when calculating your premium.
     
Market value changes depending on economic conditions and location. For example, a four-bedroom home in one area may have a much higher market value than in another, but this doesn't necessarily mean it costs more to rebuild.       

If you take out an ‘Instaquote’ policy with us, we don't ask for a rebuild cost as we make assumptions to quote you more quickly and easily.

How do I make a claim?

Find out more information on our make a claim page.

How long will it take to settle my claim?

It depends on the circumstances as some claims are more straightforward than others. 

After you register a claim, our Claims team will give you a rough estimate of timescales.

What if my circumstances change?

If your circumstances change, you must tell us immediately to avoid invalidating your insurance. Some changes may affect your premium cost. 
If you're unsure whether you need to tell us about a change, call us and check.    

More information about how to update your policy can be found on the on our Contact Us page

What is home insurance excess and how do I check mine?

Home insurance excess is an agreed to amount you must pay towards a claim before we make a contribution. The excess is either deducted from your claim settlement, or our appointed supplier collects the amount from you.

You can find your home insurance excess amounts in your Home Policy Schedule, which we sent you via email or post when you took out your home insurance policy. You can also find it in MyAccount.
 
More than one excess may apply, and it may vary depending on the type of claim.

 

What information do I need to make a claim?

To make sure your claim is processed quickly, you'll need the following initial information:     

  1. Policy number     
  2. Full address of the property covered     
  3. Date and time of the incident     
  4. Cause 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 reference number, if the claim is due to theft, riot or vandalism


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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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