Best Home Insurance Companies in United Kingdom (UK)

Buildings and contents insurance, sometimes known as house insurance, is a crucial financial safety net for both homeowners and renters in the UK. This kind of insurance offers defense against a variety of dangers that might harm your home and personal items.

House insurance provides comfort and financial protection in the case of unforeseen catastrophes, such as structural damage to your house, theft of your belongings, or unplanned occurrences like fire or floods. This introduction will provide you a brief overview of the main features of UK house insurance and how crucial it is to protecting your most important possessions.

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1. Home Insurance

Home insurance is a policy that provides financial security for your house and its belongings against a range of hazards, such as theft and damage. It normally consists of two primary parts: contents insurance, which covers your personal possessions, and buildings insurance, which covers the physical construction of your home. In the event of unforeseen occurrences like fire, burglary, or natural disasters, it offers comfort and financial protection.

1.1 Need for Home Insurance

Both homeowners and renters equally need to get house insurance. Your house and its belongings, which are your most important possessions, are given the crucial security they require. While buying a house is a substantial investment, there are hazards that come with it, including fire, theft, natural catastrophes, and accidents. In the case of unanticipated loss or damage, you risk being left with a substantial financial burden if your house is not adequately insured.

By paying for the expenses of repairing or rebuilding your house and replacing your personal items, home insurance provides peace of mind. It guarantees that you won’t bear the whole financial burden when these bad occurrences take place, making it a necessary and prudent investment for everyone who wishes to protect their home and belongings.

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2. Best Home Insurance Companies United Kingdom (UK)

In the UK, a number of reputed home insurance providers provide a selection of coverage choices to safeguard your house and possessions.

2.1 Top Home Insurance Companies United Kingdom According to Our Rating

But the top house insurance providers that UK residents pick can give distinctive features that provide the greatest prices. Here, we’ve reviewed the top house insurance providers in case you’re not sure who to choose.

1. Ecclesiastical
2. Nationwide
3. NFU Mutual
4. TSB
5. Bank of Scotland
6. Saga
7. HSBC
8. Age Partnership
9. Santander
10. Marks & Spencer

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3. Ecclesiastical – United Kingdom (UK)

3.1 Review – Ecclesiastical United Kingdom (UK)

Since it first appeared in the tables in 2015, Ecclesiastical has earned a gold ribbon in our Customer Experience ratings for house insurance.

With an overall score of 83%, which is more than four percentage points better than the brand in second place, it is rated as having the best overall customer experience.

It is the most dependable and has the happiest consumers of any supplier of house insurance.

Ecclesiastical also has a stellar track record with the Financial Ombudsman Service: almost 90% of complaints that consumers have reported to the ombudsman are resolved in the company’s favor.

3.2 Key Features – Ecclesiastical United Kingdom (UK)

1. Includes home emergency coverage
2. Coverage for personal possessions (including loss and theft)
3. Included is a lost/stolen keys cover.
4. $75 mandatory excess

3.3 Company Overview – Ecclesiastical United Kingdom (UK)

Ecclesiastical Insurance, founded in 1887, is a UK-based insurance company regulated by the FCA and PRA. It is a subsidiary of Benefact Group, owned by Benefact Trust, a registered charity promoting Christian religion. Established by the Church of England, it covers various insurance businesses and has over £100m Preference Shares listed on the London Stock Exchange.

Industry	Financial Services
Founded	1887
Founder	Dean Herbert Gregory and John Duncan
Headquarters	Beaufort House, Brunswick Road, Gloucester, UK

3.4 Products & Services – Ecclesiastical United Kingdom (UK)

Services offered by the company are,

1. Buildings Insurance
2. Contents Insurance
3. Combined Buildings and Contents Insurance
4. Optional Add-Ons

3.5 Contact Details – Ecclesiastical United Kingdom (UK)

You can contact company through,

Phone Number	0345 777 3322
Address	Benefact House, 2000 Pioneer Avenue, Gloucester Business Park, Brockworth
Email	[email protected]
Official Website	https://ecclesiastical.com/home-insurance/

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4. Nationwide – United Kingdom  (UK)

4.1 Review – Nationwide United Kingdom (UK)

Nationwide’s home insurance is a comprehensive product underwritten by Royal Sun Alliance. It offers flexible coverage limits for contents, with options like unlimited or scaled-back. The policy includes optional add-ons like accidental damage, matching sets, home emergency, and legal. Nationwide has consistently ranked high in customer experience ratings, thanks to transparency and clear online quote journeys. They also offer cancellation fees and a 25% discount for pre-existing Nationwide members.

4.2 Key Features – Nationwide United Kingdom (UK)

1. £50 compulsory excess
2. 25% discount for Nationwide members
3. Home emergency and accidental damage cover not included

4.3 Company Overview – Nationwide United Kingdom (UK)

One of the biggest financial companies in the UK, Nationwide UK, also known as Nationwide Building Society, offers a variety of financial services, including house insurance. Both homeowners and renters may get complete coverage from Nationwide’s house insurance.

Industry	Financial services
Founded	1926; 97 years ago
Headquarters	One Nationwide Plaza, Columbus, Ohio, U.S.

4.4 Products & Services – Nationwide United Kingdom (UK)

Services offered by the company are,

1. Buildings Insurance
2. Contents Insurance
3. Combined Buildings and Contents Insurance
4. Optional Add-Ons

4.5 Contact Details – Nationwide United Kingdom (UK)

You can contact company through,

Phone Number	0800 145 60 60
Address	St. Mark’s Court, Chart Way, Horsham, West Sussex, RH12 1XL
Email	[email protected].
Official Website	https://www.nationwide.co.uk/

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5. NFU Mutual – United Kingdom (UK)

5.1 Review – NFU Mutual United Kingdom (UK)

Our third-place finisher, NFU Mutual, has been providing insurance for almost 100 years.

A score of 70% was achieved for customer satisfaction, 69% for customer trust, and 73% for claims satisfaction by the supplier. NFU Mutual received an 82% for their complaint handling performance.

Its combined buildings and contents insurance policy provides up to £150,000 of coverage for contents and up to £75,000 for alternate housing if an insured occurrence prevents you from staying in your property. Additionally, it provides £10,000 for finding leaks in oil-fired heating systems or water pipelines.

The insurance includes regular legal expense coverage of up to £50,000 and third-party legal liability protection up to £2.5 million.

5.2 Key Features – NFU Mutual United Kingdom (UK)

1. Loyalty rewards for renewals at a UK contact center
2. No administrative costs for policy changes
3. A mandatory excess of £100

5.3 Company Overview – NFU Mutual United Kingdom (UK)

A UK insurance group is called NFU Mutual. Since it is a mutual, its policyholder members[7] own the company, and they are ultimately responsible for the actions of the officers and directors. National Farmers’ Union Mutual Insurance Society Limited is the full name of the company.

The Financial Conduct Authority, the Prudential Regulation Authority, and the Financial Ombudsman Service all have authority over the company and regulate it. These organizations do not regulate NFU Mutual Risk Management Services Limited, a fully owned subsidiary of NFU Mutual.

Industry	Financial services
Founded	1910
Founder	Seven farmers in the West Midlands
Headquarters	Tiddington, Stratford-upon-Avon, England

5.4 Products & Services – NFU Mutual United Kingdom (UK)

Home Insurance products offered by the company are,

1. Home Buildings Insurance
2. Home Contents Insurance
3. Combined Buildings and Contents Insurance
4. Optional Add-Ons

5.5 Contact Details – NFU Mutual United Kingdom (UK)

You can contact company through,

Phone Number	0800622323
Address	Tiddington Road, Stratford upon Avon, Warwickshire CV37 7BJ.
Email	[email protected].
Official Website	https://www.nfumutual.co.uk/

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6. TSB Bank – United Kingdom (UK)

6.1  Review – TSB Bank United Kingdom (UK)

The average score for TSB’s house insurance in terms of complaints, trust, and customer satisfaction is 71%.

Up to £2,000,000 in public liability insurance is provided under TSB’s coverage. Both the personal possessions insurance and the accidental damage coverage are extras.

You have the option of selecting from starting contents, student contents, or limitless contents coverage. The first two provide coverage ranging from £2,000 to $15,000.

For dealing with leaks, the policy provides trace and access coverage up to £5,000 in value.

6.2  Key Features – TSB Bank United Kingdom (UK)

1. No monthly payment costs
2. Making policy modifications is free of charge.
3. A mandatory excess of £100

6.3  Company Overview – TSB Bank United Kingdom (UK)

TSB Bank plc is a UK retail and commercial bank with 220 branches across England, Scotland, and Wales. It was launched in 2013 and has over five million customers. TSB was formed from Lloyds TSB Scotland plc, which transferred some branches and Cheltenham & Gloucester branches. After a European Commission ruling, TSB was divested and listed on the London Stock Exchange in 2014. In 2015, it was acquired by Sabadell Group. The bank has over £37 billion in lending and £36 billion in customer deposits.

Industry	Banking Financial services
Predecessor	Lloyds TSB, Cheltenham & Gloucester
Founded	1810 (as Trustee Savings Bank)[1] 27 November 1985 (as Trustee Savings Bank plc) 17 July 1986 (as TSB Scotland plc) 1 November 1989 (as TSB Bank Scotland plc) 1995 – Lloyds and TSB merge to become Lloyds TSB[1] 28 June 1999 (as Lloyds TSB Scotland plc) 9 September 2013 (as TSB Bank plc)[2]
Headquarters	Edinburgh, Scotland, UK

6.4 Products & Services – TSB Bank United Kingdom (UK)

Products and services offered by the company are,

1. Buildings insurance
2. Select covercontents-icon
3. Contents insurance
4. Other covers
5. Select coverlegal-icon
6. Home emergency and legal services cover

6.5 Contact Details – TSB Bank United Kingdom (UK)

You can contact company through,

Phone Number	0345 901 3147
Address	PO Box 373, Leeds, LS14 9GQ
Email	[email protected].
Official Website	https://www.tsb.co.uk/

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7. Bank of Scotland – United Kingdom (UK)

7.1 Review – Bank of Scotland United Kingdom (UK)

Home insurance from Bank of Scotland has respectable marks for customer satisfaction (68%), customer trust (62%), and claims satisfaction (75%).

Its three-tiered combined buildings and contents insurance policy offers up to £250,000 in contents coverage, up to £250,000 in accidental damage coverage, and up to £50,000 in legal protection.

The maximum payout for finding and fixing a leak is £5,000 for all insurance (Bronze, Silver, and Gold).

Personal property insurance and home emergency insurance are not included but can be purchased separately.

7.2 Key Features – Bank of Scotland United Kingdom (UK)

1. A mandatory excess of £100
2. Favorable customer reviews
3. Three policy tiers are available.

7.3  Company Overview – Bank of Scotland United Kingdom (UK)

The Bank of Scotland plc is a commercial and clearing bank in Scotland, part of the Lloyds Banking Group. Established in 1695 by the Parliament of Scotland, it aimed to develop Scotland’s trade and establish a stable banking system.

As the fifth-oldest bank in the UK and the only commercial institution created by the Parliament of Scotland, it was one of the first to print its own banknotes. In 2006, the HBOS Group Reorganisation Act 2006 simplified the bank’s structure, resulting in its rebranding as Bank of Scotland plc. Since 2009, it has been a subsidiary of Lloyds TSB.

Industry	Financial services
Founded	The Governor and Company of the Bank of Scotland 17 July 1695; 328 years ago
Headquarters	Edinburgh, Scotland
Products	Banking and Insurance

7.4 Products & Services – Bank of Scotland United Kingdom (UK)

Services offered by the company are,

1. Buildings & contents insurance
2. Contents insurance
3. Buildings insurance
4. Retrieve a home insurance quote
5. Manage your home insurance

7.5 Contact Details – Bank of Scotland United Kingdom (UK)

You can contact company through,

Phone Number	0345 721 3141
Address	Bank of Scotland, PO Box 23581, Edinburgh, EH1 1WH.
Email	[email protected]
Official Website	www.bankofscotland.co.uk

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8. Saga – United Kingdom (UK)

8.1 Review – Saga United Kingdom (UK)

Saga, which received an average rating of 67% in the three important categories of customer trust, contentment, and complaints, completes our list of the top home insurance companies.

The insurer can choose between two different coverage types: Saga Select and Saga Plus, with Saga Plus providing more protection at a higher cost.

With its Plus insurance, Saga guarantees that your premiums won’t go up for three years, and the majority of claims won’t change your set pricing. Accidental damage coverage and personal property coverage are also included in the Plus tier, however they are extras under the Select policy.

For locating and repairing leaks, trace and access coverage up to £5,000 is offered.

Key Features – Saga United Kingdom (UK)

1. The mandatory excess for Plus insurance is £50.
2. There are no cancellation fees.
3. Limit of £2,500 per item

8.3 Company Overview – Saga United Kingdom (UK)

 Saga is a British business dedicated to meeting the requirements of people in their 50s and beyond. There are 2.7 million users. Enbrook Park and Priory Square are two of the business’s locations along the coasts of Kent and Sussex. On the London Stock Exchange, it is traded.

Sidney De Haan created the company in 1951, and after Sidney De Haan retired in 1984, his son Roger De Haan took it.

In October 2004, the private equity company Charterhouse helped the staff (20%) buy Saga. To create Acromas Holdings, Saga combined with The AA, a company backed by CVC and Permira.

Industry	Insurance Travel Financial services
Founded	1951
Headquarters	Folkestone, Kent ,  United Kingdom

8.4 Products & Services – Saga United Kingdom (UK)

A UK-based firm called Saga Plc provides house insurance services to safeguard homeowners and their homes.

1. Buildings Insurance
2. Contents Insurance
3. Combined Buildings and Contents Insurance
4. Optional Add-Ons

8.5 Contact Details – Saga United Kingdom (UK)

You can contact company through,

Phone Number	0800 028 1701
Address	Saga plc 3 Pancras Square London N1C 4AG
Email	[email protected]
Official Website	https://corporate.saga.co.uk/

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9. HSBC – United Kingdom (UK)

9.1 Review –  HSBC United Kingdom (UK)

Big-Five bank offers buildings and contents insurance. With strong performance in all three of our major customer service areas, HSBC comes in at number seven on our list.

The buildings insurance portion of the policy has no maximum limit, and the coverage for loss or damage to your possessions is up to £80,000.

Optional extras that can be purchased for a fee include personal property coverage, accidental damage coverage, and home emergency coverage.

9.2 Key Feature – HSBC United Kingdom (UK)

1. All fees paid by moving from your current supplier will be covered by HSBC.
2. Making policy modifications is free of charge.
3. $50 mandatory excess

9.3 Company Overview – HSBC United Kingdom (UK)

HSBC UK Bank plc is a British multinational banking and financial services organization based in Birmingham, England. As one of the four major clearing banks in the UK, it operates 1800 sites across various brands. With a 90% loan:deposit ratio, it is considered less risky by investors and customers, contributing to its share price’s value during the credit crunch.

Industry	Finance and insurance
Predecessor	Midland Bank
Founded	22 August 1836; 187 years ago in Birmingham, Great Britain (as the Birmingham and Midland Bank) 1 January 2018; 5 years ago (rebranded as HSBC UK)
Headquarters	1 Centenary Square, Birmingham, England, UK

9.4 Products & Services – HSBC United Kingdom (UK)

Home Insurance services are,

1. Buildings and contents insurance
2. Contents insurance
3. Buildings only insurance

9.5 Contact Details – HSBC United Kingdom (UK)

You can contact company through,

Phone Number	03457 404 404
Address	1 Centenary Square, Birmingham, B1 1HQ, United Kingdom.
Email	[email protected].
Official Website	https://www.hsbc.co.uk/

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10. Age Partnership – United Kingdom (UK)

10.1 Review – Age Partnership United Kingdom (UK)

Age Partnership is ranked second after receiving commendable ratings for customer trust and contentment as well as for how it addresses complaints from customers.

Its buildings insurance provides coverage up to £1,000,000, liability coverage up to $2,000,000, and trace and access coverage for leak detection up to $5,000.

The contents insurance from Age Partnership provides coverage for up to £100,000 in personal property and provides £750 for lost or stolen cash.

10.2 Key Features – Age Partnership United Kingdom (UK)

1. Includes accidental damage coverage
2. No costs are charged to modify or cancel a policy,
3. £200 mandatory excess is required.

10.3 Company Overview – Age Partnership United Kingdom (UK)

Age Partnership, a UK-based equity release company, is part of the Age Partnership Group and is regulated by the Financial Conduct Authority. Established in 2004, it has grown its market share from 12% in 2009 to 28%. In 2017, Age Solutions, part of the Age Partnership Group, began offering whole-of-market equity release advice through Nationwide Building Society. The Nationwide Lifetime Mortgage, offered exclusively through Age Solutions, is a significant step forward for the equity release sector. The company’s office is located in Leeds.

10.4 Products & Services – Age Partnership United Kingdom (UK)

Home insurance services offered by the company are,

1. Buildings Insurance
2. Contents Insurance
3. Combined Buildings and Contents Insurance
4. Optional Add-Ons

10.5 Contact Details – Age Partnership United Kingdom (UK)

You can contact company through,

Phone Number	0800 081 0077
Address	2200 Century Way, Leeds LS15 8ZB
Email	[email protected]
Official Website	https://www.agepartnership.co.uk/

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11. Santander – United Kingdom (UK)

11.1 Review – Santander United Kingdom (UK)

Santander gets a spot on our list of the top suppliers with ratings that are on par with those of other banks that sell house insurance products.

Customers can choose between a Classic policy and an upgraded “Plus” coverage, with the latter providing more protection. For instance, although Plus plans are limitless, the Classic buildings insurance policy has a maximum covered amount of £500,000. Comparably, Classic contents insurance has a £50,000 maximum whereas Plus has no cap.

Santander’s buildings and contents insurance policy includes public liability coverage of up to £5,000,000 and track and access coverage for leaky pipes up to £5,000 per.

11.2 Key Features – Santander United Kingdom (UK)

1. When premiums are paid with certain Santander current accounts, you receive 2% cash back.
2. No monthly payment costs
3. No costs are associated with changing a policy.
4. A mandatory excess of £100

11.3 Company Overview – Santander United Kingdom (UK)

Santander UK plc is a British bank, wholly owned by the Spanish Santander Group. Established in 2010, it is one of the leading personal financial services companies in the UK and one of the largest providers of mortgages and savings. With around 20,000 employees, 14 million active customers, and 64 corporate business centres, Santander UK has a strong customer service rating and is in a financially healthy position.

Industry	Finance and Insurance
Founded	11 January 2010
Headquarters	London, England, UK

11.4 Products & Services – Santander United Kingdom (UK)

Home Insurance services offered by the company,

1. Buildings Insurance
2. Contents Insurance
3. Combined Buildings and Contents Insurance
4. Optional Add-Ons

11.5 Contact Details – Santander United Kingdom (UK)

You can contact company through,

Phone Number	0330 9 123 123.
Address	2 Triton Square, Regent’s Place, London, NW1 3AN, United Kingdom.
Email	[email protected].
Official Website	https://www.santander.co.uk/

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12. Marks & Spencer Bank – United Kingdom (UK)

12.1 Review – Marks & Spencer Bank United Kingdom (UK)

On average, Marks & Spencer home insurance received ratings in the upper 60s for customer satisfaction, customer trust, and customer complaints.

The well-known British company offers regular and premium house insurance. Neither of them levies an additional fee if you want to pay for your insurance through a monthly direct debit.

Buildings coverage of up to £1,000,000 and contents coverage of up to £100,000 are included in standard plans.

For a fee, additional coverage for accidental damage and home emergencies is available.

12.2 Key Features – Marks & Spencer Bank United Kingdom (UK)

1. No monthly payment costs
2. Both regular and premier plans cover bicycles.
3. Up to $5,000,000 in public liability protection

12.3 Company Overview – Marks & Spencer Bank United Kingdom (UK)

M&S Bank, a UK-based retail bank, was established in 1985 as the financial services division of Marks & Spencer. It offers a range of products including credit cards, loans, savings, insurance, and foreign currency exchange. M&S Bank is a joint-venture with HSBC and is regulated by the Prudential Regulation Authority and the Financial Conduct Authority.

Industry	Finance and Insurance
Founded	1985 as St Michael Financial Services plc
Founder	Marks and Spencer
Headquarters	Kings Meadow, Chester

12.4 Products & Services – Marks & Spencer Bank United Kingdom (UK)

You receive comprehensive protection with superior house insurance from M&S Bank, which includes coverage for:

1. Accidental damage – from paint spills on the carpet to knocking a nail through a pipe
2. Storm damage to gates and fences
3. Accidental damage to freezer contents
4. Visitors’ belongings
5. Students’ possessions – when your children are at university or college within their accommodation
6. A dependent relative’s possessions – when they’re in a residential care home

12.5 Contact Details – Marks & Spencer Bank United Kingdom (UK)

You can contact company through,

Phone Number	0344 871 2349
Address	Fusion House, Katharine Way, Bretton, Peterborough, PE3 8BG.
Email	[email protected].
Official Website	https://bank.marksandspencer.com/contact-us/

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13. FAQs – Home Insurance United Kingdom (UK)

14. Conclusion – Home Insurance United Kingdom (UK)

In summary, Marks and Spencer (M&S) in the UK offers a variety of house insurance products and services to give homeowners and renters important protection. These contracts frequently cover both buildings and contents insurance, enabling clients to protect their homes and personal property.

M&S is a dependable alternative for anyone wishing to insure their homes against numerous threats because to their dedication to providing excellent customer service and flexibility in coverage options. Investigate the particular options and speak with M&S professionals to create a policy that fits your requirements and preferences and gives you peace of mind in case of unforeseen circumstances.

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