Admiral Home Insurance Review: The Right Fit for You?

Admiral Home Insurance Review: The Right Fit for You?

Good for

  • Competitive prices
  • Bikes covered at home up to £350 on all plans

Bad for

  • Leaving valuables in a locked car as theft from cars limited to £1,000
  • Those who like to turn the heat off when they travel

Editor's Rating


The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Admiral offers three tiers of home insurance to cater to a variety of needs, with the top tier including solid levels of cover for extras like Accidental Damage, Personal Possessions, Home Emergency and Family Legal Protection.

In this review we breakdown the particulars of Admiral home insurance, to help you decide if Admiral is the best insurance company for you. Finding the best home insurance for your particular needs will depend upon your individual situation. There may be other home insurance plans with better features available. You may also want to read about our other top picks for best home insurance companies.

In This Review

Admiral Home Insurance Review: What You Need to Know

Admiral offers three tiers of home contents insurance—a basic policy ("Admiral"), a mid-tier plan ("Admiral Gold") and a premium plan ("Admiral Platinum") that includes extras such as Accidental Damage, Personal Possessions, Home Emergency and Family Legal Protection. These extras are available to purchase as add-on features to lower tier plans, if you'd like a customized policy. This can be useful for keeping premium costs under control if you only want one or two add-ons, not the fully inclusive Admiral Platinum plan. Add-on costs are detailed below.

One feature we like is that your Personal Possessions (included in Platinum plans and optional extra on basic and Gold plans) are protected when you're abroad for up to 60 days. This feature can save you anywhere from £3 to £25 on a separate travel insurance, if you no longer need to buy a Valuables add on with your travel insurance policy.

If you move house with a professional removals company while on an Admiral policy, your contents will be covered for accidental loss or damage during the move and whilst in storage for up to 7 days (excluding money, high risk items, etc. and breakables like china unless they were packed by professionals).

Admiral Home Insurance Key Facts

  • Choose between Admiral, Admiral Gold and Admiral Platinum plans
  • Admiral plans: up to £50,000 for Contents and an unlimited amount for buildings
  • Admiral Gold plans: up to £75,000 for Contents and an unlimited amount for buildings
  • Admiral Platinum plans: up to £150,000 for Contents and an unlimited amount for buildings

Admiral Home Insurance Price Comparison

We found that Admiral's basic and Gold home insurance plans run roughly 13% and 7% less than the market average, respectively. Admiral Platinum plans are around 16% more than market, as they include higher cover levels and more benefits like Accidental Damage, Personal Possessions, Home Emergency and Family Legal Protection that can would cost £120 if bought individually as add-on features.

We gathered pricing data from the Admiral website to give you a general idea of how Admiral home insurance quotes compare to others in the market. For the purposes of this exercise, we quoted for a 30-year-old policyholder living in a mortgaged, 2-bedroom flat in London. Insurance quotes can vary significantly from day to day and according to your individual details, so please just use the following data for educational purposes only; your quotes may reflect a large degree of variation. Additionally, insurance policies across different companies can be difficult to compare directly, as they can vary in terms of excess, cover amounts, etc.

chart comparing admiral home insurance premiums costs to market averages
Here's how Admiral home insurance prices compare to market average premiums

Admiral gives the option to choose your variable excess amounts, which is paid in addition to the compulsory excess in the event of a valid claim. A policy with a higher excess will have a lower premium, because you're committing to pay more towards any valid claims. While a lower premium is certainly enticing, before signing up for a policy with a higher excess be sure you'd be comfortable paying your contribution in the event of a valid claim.

Admiral Home (Buildings and Contents) Insurance Add-On Costs

Here are estimated costs of add-on extras when you buy an Admiral buildings & contents home insurance policy. It can be useful to have an idea of the approximate cost of these optional features when you're deciding what cover to buy. Admiral Platinum includes most of these features as standard, as shown below.

AdmiralAdmiral GoldAdmiral Platinum

Accidental Damage - Buildings

Accidental Damage - Contents

Accidental Damage - Buildings & Contents


Bike up to £350 at home (need Personal Possessions option for away-from-home cover)

Home Emergency Cover

Personal Possessions (£2k)

Personal Possessions (£5k)
chart showing approximate cost of home insurance add ons for Admiral home insurance
How much will you pay for home insurance extras?

Admiral Home Cover: Features

Admiral's Platinum plans include features like personal possessions, accidental damage, home emergency and family legal as standard. Admiral's basic and Gold plans do not include these features, although they can be added for an extra cost to create a customized home insurance policy. Limits can be found below in the Policies section. For more complete details like inner limits and exclusions, please see the policy documents.

Admiral Home Insurance FeaturesNotes
Personal Possessions
  • Details
    • Cover for loss or damage anywhere in the world to items like mobile phones, watches, jewellery, laptops, bicycles, wallets and purses when you're away from home
    • Cover abroad for up to 60 days separately
  • Notable Exclusions
    • Theft from a vehicle is only a valid claim if the item was hidden from view in a locked boot or closed glove compartment, when car is securely locked
    • from a hotel room unless forced or violent entry
  • Admiral Plans
    • Optional extra
  • Admiral Gold Plans
    • Optional extra
  • Admiral Platinum Plans
    • Included
Accidental Damage
  • Details
    • Available for Buildings (e.g., breaking a glass cooker top)
    • Contents (e.g., breaking glass coffee table or spilling wine on sofa)
    • or both
  • A Notable Exclusion
    • Does not cover liquid damage to mobile phones
  • Admiral Plans
    • Optional extra
  • Admiral Gold Plans
    • Optional extra
  • Admiral Platinum Plans
    • Included
Home Emergency
  • Details
    • Cover to temporarily repair home emergencies related to storm damage to roofs, blocked or leaking drains/pipes, shower leaks, broken windows/doors, internal gas pipes, pests, boiler/heating system breakdown/leak/loss of pressure, accommodation up to £250 if your home is uninhabitable
    • up to £500 per call out, unlimited call outs per policy year
  • Notable Exclusions
    • partial electrical, heating or hot water failures (must be a total failure), leaks related to household appliances like dishwashers, etc.
  • Admiral Plans
    • Optional extra
  • Admiral Gold Plans
    • Extra (Boiler Emergency Cover included, up to £500 per call out up to 2x per policy year)
  • Admiral Platinum Plans
    • Included
Family Legal
  • Details
    • 24-hour legal helpline
    • Legal costs up to £100,000
  • Admiral Plans
    • Optional extra
  • Admiral Gold Plans
    • Optional extra
  • Admiral Platinum Plans
    • Included

Notable Exclusions

Admiral home insurance exclusions include (but are not limited to) damage to fences, gates or hedges, loss or damage if you've been away for 60 days or more (occasional visits don't count), frost damage to pipes/tanks outside or in outbuildings, tobacco burns or heat distortion (e.g, scorching, melting) unless accompanied by flames, damage by pets, subsidence, heave or landslip resulting from storm or flood, etc.

Four exclusions stood out to us as particularly mentionable. You may want to keep them in mind if you go with Admiral or as you're comparing different home insurance plans. It's always a good idea to read through the full list of exclusions in the policy documents as we've only mentioned some exclusions here.

  • 1. For policies including Personal Possessions cover, theft from a vehicle is only included if the item is hidden from sight in a locked boot or a closed glove box, and the car doors and windows are securely locked, and is limited to £1,000.
  • 2. Those who go abroad for more than 60 days at a time (perhaps to a second, holiday home) won't have cover for escaping water or oil, theft, loss of freezer food, vandalism or frost damage.
  • 3. Boiler Emergency cover (included on Gold policies) isn't valid if your home is unoccupied more than 30 days.
  • 4. The "days unoccupied limit" drops to 5 days between November and March, unless you keep your home heated to 12 degrees Centrigrade or your water supply is off at the mains and the water system is drained.

Admiral Buildings & Contents Insurance: What's Covered?

Admiral Buildings cover protects against calamities such as fire, explosion, lightning, earthquake, smoke, frost, attempted theft, storm, flood, escaping water and oil, subsidence (depending on cause, etc.), etc.

Admiral Home Cover Limits (For Buildings & Contents Cover)

Admiral PlatinumAdmiral GoldAdmiral Home Insurance
Buildings CoverUnlimitedUnlimitedUnlimited

Contents cover

Alternative Accommodation

Theft from Garages and Outbuildings

Replacement Locks / Keys

24-hour Emergency Helpline

Personal Possessions
£2,000 (can increase up to £10,000)Optional Extra for £7,500 of coverOptional Extra for £5,000 of cover

Minimum Compulsory Excess

Extra Benefits
Contents Accidental Damage CoverAudiovisual Accidental Damage

Buildings Accidental Damage CoverGlass & Sanitary Ware

Home Emergency CoverBoiler Emergency Cover

Family Legal Protection

Other Useful Information