Top Cheap Home Insurance Companies UK

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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.

  • LV= home insurance logo
  • Axa home insurance logo
  • Hastings Direct home insurance logo
  • Swinton home insurance logo
  • Policy Expert home insurance logo
  • LV= home insurance logo
  • Axa home insurance logo
  • Hastings Direct home insurance logo
  • Swinton home insurance logo
  • Policy Expert home insurance logo
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One Call home insurance logo
LV= home insurance logo
Axa home insurance logo
Hastings Direct home insurance logo
Swinton home insurance logo
Policy Expert home insurance logo

No single insurance provider is the cheapest or best for everyone, but some home insurance companies stand out for the best combination of good customer reviews, features and cheap quotes. We've assembled a list of reputable, cheaper home insurance providers by analysing data from over 50 UK brands. Here are the best of the group.

List of Top 10 Cheap Home Insurance Companies UK

Best, Cheap Home Insurance CompaniesTrustPilot Score (all products)Defaqto Score Range (Buildings)Defaqto Score Range (Contents)Fairer Finance Score (Home insurance)
1LV4.75 stars2 to 5 stars65%
2Sheilas' Wheels4.45 stars5 stars62%
3 (tie)Aviva4.63 to 5 stars3 to 5 stars64%
3 (tie)Tesco Bank3.85 stars5 stars65%
4 (tie)Churchill3.95 stars5 stars64%
4 (tie)Direct Line3.95 stars5 stars64%
7John Lewis4.25 stars4 to 5 stars66%
8esure4.35 stars5 stars59%
9AA4.34 to 5 stars4 to 5 stars62%
10Swinton4.44 to 5 stars3 to 5 stars61%

There are many brands in the UK market and one not listed here might turn out to be the best option for you. Prices can vary significantly depending on the features of an application and different people prioritise different features when picking the right policy for their needs. Let this list start you out in your research.

Cheap Home Insurance in Your Area

Quickly compare up to 50 UK insurance providers. Powered by QuoteZone.

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Top 10 Cheapest Home Insurance Companies

To be included in our list a brand has to have at least one 3 star Defaqto rated product and, according to our analysis of the UK home insurance market, offer competitively-priced buildings and contents insurance quotes. We ranked the home insurance brands according to a combination of ratings by Trustpilot, Defaqto and Fairer Finance. Here's what you should know about these companies before you decide which is best for you.

1. LV=

Consider this if you want home insurance with good features, great customer satisfaction and a reasonable price.

LV= arguably offers the best combination of customer satisfaction and coverage for home insurance, based on our analysis of independent Trustpilot, Defaqto and Fairer Finance ratings. They also won the Which insurance brand of the year award for 2021.

There are two tiers of LV= home insurance. The higher tier (Home Plus) includes many 'extras' like personal belongings, bicycle cover away from home and full accidental damage. And there's automatic cover for doing office work from home (e.g. cover for your laptop) on both tiers.

LV= home insurance can be purchased direct from the company, through comparison sites or brokers. Existing customers have high renewal rates and LV= has recently launched a 5% discount for customers buying both motor and home insurance. Customer satisfaction has been a stated priority of the company, which helps explain their high approval ratings by customers.

Note: at the end of 2019 Allianz completed their acquisition of LV General Insurance Group (LV GIG). LV= motor insurance policies are still underwritten by Liverpool Victoria Insurance Company Ltd, but ultimately this is now owned by Allianz.

Quick Takeaway: LV= scores very well on coverage and customer satisfaction, and they are usually moderately priced. So a solid consideration for any renter or homeowner.

  • Trustpilot customer rating: 4.7 out of 5 stars
  • Defaqto: 2 to 5 stars

2. Sheilas' Wheels

Consider this if you want home insurance with a 5-star Defaqto rating and competitive pricing for the features.

Sheilas' Wheels is part of the esureGroup plc and was designed to be a brand that caters to women (e.g., scheduling customer appointments around the school run). They also sell to men, however. While primarily a car insurance broker, they also sell home and travel insurance. As with esure-branded home insurance, of Sheilas' Wheels home insurance products are rated 5 stars by Defaqto for features. Between July and December 2020, 50% of their customers paid £164 or less, indicating good price points.

Quick takeaway. With Sheilas' Wheels you're guaranteed to get solid coverage, because they only sell policies that are rated 5 stars by Defaqto. Customer satisfaction is slightly lower than some other top brands, but they still rank quite well in those categories.

  • Trustpilot customer rating: 3.9 out of 5 stars
  • Defaqto: 5 stars
  • Fairer Finance: 57%

3. (tie) Aviva

Consider this if you want a reliable general insurer with a good reputation.

Aviva is another large UK general insurer that specialises in home and motor insurance. While they sell an array of policies through different sources (e.g. comparison sites), policies bought direct from Aviva are nice and straightforward as there is only one product, which can be customised with option add-on features like home emergency and legal services.
You might also come across another of their brands, Quotemehappy.com, which is popular on comparison sites. Aviva was named General Insurer of the Year awards at the 2020 British Insurance Awards. Customer service satisfaction is high, with more than 50% of personal lines direct customers holding more than one general insurance product with Aviva. Aviva has invested heavily in digital and claims management, enabling UK motor customers to start and complete their claims online with no underwriter touch points.

Quick Takeaway: Aviva is a solid all-rounder for home insurance products, and if you're very budget conscious they also provide a cheaper, online only option through their Quotemehappy.com brand.

  • Trustpilot customer rating: 4.6 out of 5 stars
  • Defaqto: 3 to 5 stars

3. (tie) Tesco Bank

Consider this if you want a brand with a high customer experience rating and 5-star Defaqto home insurance.

Tesco Bank has done a good job handling customer satisfaction recently, as evidenced by their 65% Fairer Finance customer experience rating. And their home insurance comes with a solid set of coverage—their home insurance products are rated 5 stars by Defaqto indicating good coverage.

You may be surprised to learn that Tesco underwrites their own home insurance through Tesco Underwriting Ltd. (although they use other companies to underwrite the home emergency and family legal coverage).

Quick takeaway. While

  • Trustpilot customer rating: 3.8 out of 5 stars
  • Defaqto: 4 to 5 stars
  • Fairer Finance: 65%

5. (tie) Churchill

Consider this if you want Defaqto 5-star home insurance at a competitive price.

Churchill is one of the "budget" brands of the Direct Line Group, and it is available to buy directly from Churchill or from comparison sites like MoneySuperMarket. While Churchill has one of the lower Trustpilot scores in our list, all of their home insurance products are rated 5 stars by Defaqto so they do offer a solid set of coverage.

They offer a basic policy ("Home Insurance") to which you can add optional extras to suit your needs or an all-in policy ("Home Plus") that includes extras such as accidental damage, personal possessions, home emergency and family legal protection.

  • Trustpilot customer rating: 3.9 out of 5 stars
  • Defaqto: 5 stars

5. (tie) Direct Line

Consider this if you want easy access to home insurance with lots of bells and whistles.

Direct Line were the first UK insurer to offer policies over the phone, and have done so since 1985. To this day, they remain an ever-popular general insurance provider in the UK. You won't find them on comparison sites (although you will find some related brands like Churchill on comparison sites).

They offer three tiers of home insurance cover to accommodate for different home and contents values, with the top two tiers (Home Insurance Plus and SELECT Premier) including as standard many of the features you often have to pay extra for with other insurers (e.g. personal possessions, accidental damage, home emergency, family legal protection).

Quick takeaway. A well-established brand that makes it easier to get all-in-one cover without worrying about which extra add-on features you need.

  • Trustpilot customer rating: 3.9 out of 5 stars
  • Defaqto: 5 stars
  • Fairer Finance: 64%

7. John Lewis

Consider this if interesting customer-friendly features like cyber cover are important to you.

John Lewis has recently changed underwriter for the main policies from RSA to Great Lakes Insurance and re-jiggered the coverage. Plans appear to have improved as a result, with higher coverage limits, no charges for paying monthly, new extra like cyber and the ability to mix and match tiers across buildings and contents.

Plus, their Fairer Finance score for customer satisfaction is the highest in our top ten list.

Quick Takeaway: John Lewis home insurance has improved in terms of features and while their Trustpilot score isn't as high as it could be, their Fairer Finance score for customer experience is top notch.

  • Trustpilot customer rating: 4.2 out of 5 stars
  • Defaqto: 4 to 5 stars

8. esure

Consider this if you want home insurance with a 5-star Defaqto rating, indicating a strong set of features.

esure home insurance reliably offers good value for money for a lot of customers. Besides being relatively cheap, their home insurance has been rated 5 stars by Defaqto, which stands out because some brands in this top ten list provide products rated with only 3 or 4 stars. Knowing they only sell 5 star home insurance takes some of the stress out of buying cover. In addition to home insurance they also offer car and travel insurance. They are also one of the largest UK car insurance brands.

Quick takeaway. esure offers a solid set of features, but their customer ratings are lower than other brands on this page.

  • Trustpilot customer rating: 3.7 out of 5 stars
  • Defaqto: 5 stars
  • Fairer Finance: 61%

9. AA

Consider this if getting a good price for basic home insurance is a priority.

Apparently, the AA is not just for motoring. They also ended up in our top ten home insurance brands, which was a surprise to us. Prices seem very competitive, as the AA reported that 10% of new AA customers paid £110 or less for their standard joint home insurance (according to a survey of new business sales from theAA.com between September 2021 and November 2021). They also have a 'Plus' offering that will cost more, of course, but includes higher levels of coverage and extras like 'in-and-away-from-home' cover for valuables worth up to £5,000 (e.g. phone or laptop) and home emergency cover. However, we can't say who the underwriter would be because it is provided from their panel of insurers.

Quick takeaway. AA offers very competitively-priced basic home insurance, but they don't underwrite their own policies unlike many other brands listed here, which means dealing with a different party if you need to claim.

  • Trustpilot customer rating: 4.3 out of 5 stars
  • Defaqto: 4 or 5 stars
  • Fairer Finance: 62%

10. Swinton

Consider this if you want a broker to help you find the right policy from a set of large insurance underwriters.

Swinton is a UK insurance broker that offers a range of products including car, home, bike, van, business and taxi insurance. A Swinton policy can be underwritten by a number of companies including AXA, Covea, Highway and others. Swinton is a popular brand that you'll see on many comparison sites such as QuoteZone, who is the engine behind our home insurance quotes.

Quick takeaway. A good brand with a range of different home insurance offerings to suit different needs and budgets, but you'll need to check the coverage you get because some products have a lower Defaqto rating that might not be right for you.

  • Trustpilot customer rating: 4.4 out of 5 stars
  • Defaqto: 3 to 5 stars

How To Pick a Good Buildings & Contents Insurance Plan

Homeowners insurance is meant to protect what is probably your largest asset, so carefully consider what your insurance policy covers—and what it doesn't cover. While you may be tempted to choose a policy with a higher excess or with fewer features to save money on your premium, remember that paying more for a plan with extended coverage may save you money in the end.

If you’re concerned that you’re paying too much for home insurance, you should check prices through a comparison site like our partner QuoteZone to get an idea of what other insurance companies would charge in your area. Many insurance companies have similar limits across basic or premium plans, so switching insurance companies won’t necessarily cause you to lose coverage.

In general, be sure that the limits are high enough to cover the full value of your contents and the rebuild cost on your house (you can use BCIS's rebuild cost calculator) to help you figure out the cost to rebuild your home, say in the case of fire). Premium plans cost more, but they often include extra coverages without you needing to pay an additional premiums. Some features that you may want to look out for include:

Public liability: Covers you for the costs of being sued due to an incident at your home.

Alternative accommodation: Covers the cost of staying elsewhere (e.g., hotel, rented house, etc.) while your house is being repaired if it's rendered uninhabitable following a major incident (e.g., fire, flood, etc.).

Empty property: Cover is limited or removed if you leave your home unoccupied for too long (e.g., for a long holiday or work assignment); always check the number of days you can leave your property empty before it is considered "empty."

Home Emergency: An emergency number you can call to fix emergency damage, such as a burst pipe or unsecured door.

Accidental damage cover: Cover for accidents that damage your contents at home and/or your house (e.g., stepping through a loft floor or spilling wine on the carpet).

Legal expenses cover: Cover for personal legal expenses related to issues such as employment disputes, bodily injury claims, etc.

Average Cost of Home Insurance

Most people pay around £300 for combined buildings and contents home insurance, but the annual cost of buildings & contents insurance for a 3-bed, 2-bath semi-detached house ranges from £123 up to £900 or more, so it's critical to comparison shop for a home policy before you buy.

Policies towards the top of the range typically offered higher coverage levels—for instance, higher valuables cover and unlimited buildings cover as well as the inclusion of accidental damage, away-from-home cover, home emergency cover and legal cover (features which sometimes cost extra).

Another factor that might determine your cost of home buildings insurance is the rebuild cost of your home—the average cost to rebuild a house is around £200,000 for a 1,400 square foot 3-bed home, but your rebuild cost will depend on many factors such as the size of your home and where you live.

chart showing average home insurance premiums in the UK
Buildings & contents insurance cost for the average British home

Questions About Buying Home Insurance

While our research shows that the cost of home insurance can range from around £163 to £595, most homeowners would pay around £294 for a basic combined contents and buildings home insurance policy. Add-on features like legal assistance, home emergency and accidental damage typically cost extra on top of this.
Home insurance is a type of insurance that protects a residential building and the things inside of it from covered events, such as a fire, flood, explosion, and theft. a 'combined' home insurance policy would include cover for the building and cover for the contents.
While coverage can vary from policy to policy, home insurance typically covers damage or loss due to events like a fire, flood, theft, explosion, and more. The 'buildings' section of cover protects the structure (e.g. walls, roof, windows, electrics, plumbing, doors, fixed lights, etc.); the 'contents' section of cover protects items you'd take with you when you move.
Home insurance is not required by law; but buildings insurance specifically is typically a condition of a mortgage agreement. Also, a leaseholder might be required to buy buildings coverage as part of their lease, however the freeholder usually arranges this. While buildings insurance (and contents insurance) may be optional, they are highly recommended. Read more here.
Not exactly. Building insurance is one part of home insurance. When people refer to home insurance, they usually mean both building insurance AND contents insurance.
If you own your home, you certainly should get home insurance to cover both the building and your contents. If you rent your home, you will only need contents insurance (as your landlord will buy landlord insurance to cover the building itself).
It might, so it's really important to contact your home insurance provider if you're working from home. In particular, it can affect the contents cover you need (e.g. to cover expensive office equipment) plus if clients visit you at home you'll need to understand if your property owner's liability cover (typically part of buildings insurance) covers this—if not, a separate public liability insurance policy might be necessary. Don't worry, these don't cost very much.
It really depends on the situation, but here are some things to keep in mind, largely related to the size of the claim. How much is the excess on your policy, and how does it compare the the size of the claim? The excess is the amount you contribute towards a claim. If a claim is for £300 and the excess is £250, for example, it may not be worth claiming. Why? Your home insurance premium might increase the next year if you claim. So if claiming would only net you a small amount, it might not be worth submitting a claim. For bigger ticket items, it most certainly will be worth claiming.
If you've forgotten who your home insurance company is, there are a few ways to find out: check your emails for 'home insurance', check your credit card or bank accounts looking for premium payments (these may be monthly or once a year) and, finally, contact your broker if you used one.
Yes, you can cancel home insurance at any time—but you may have to pay a cancellation fee to do so. And if you've made a claim, you may be responsible for paying the full premium for the entire year. If you cancel within the first 14-day cooling off period, the cost is usually lower but there still may be a fee. Check your policy documents to find out the terms of your policy.
Yes, home insurance claims follow you—home insurance incidents (even if they don't result in a claim) are reported to the Claims and Underwriting Exchange (CUE). Future potential insurers can access this database to learn about someone's claims history.
Home contents insurance is not required by law but it is really important! Without it, you wouldn't have any financial help to replace possessions lost in a fire, flood, burglary, explosion or other covered event.
You don't need the buildings insurance component of 'home insurance' when renting, but you do need contents insurance to protect your belongings (the things you take with you when you move house).
It's up to you. Most insurers will let you pay monthly or yearly for home insurance. However, it can be more expensive to pay monthly, as in most cases you'll be charged a finance fee that can add roughly 20% to your overall costs.
It depends. IF an insurance company considers a fireplace to be an added risk, they may charge more. This view can vary from one insurer to the next. Other factors may be at play, such as the construction of the rest of the house (e.g. brick and tile, or wood and thatch). However, some insurance companies may not ask about fireplaces at all. As you can see in the quote form here, it's not even a question.
A home insurance excess is the amount you pay towards a successful home insurance claim. For example, if a claim is for £2,000 and the excess is £200, then the policyholder pays £200 of the claim and is reimbursed by the insurer for the remaining £1,800.
Your buildings insurance should cover the cost of rebuilding your home if it were completely destroyed, e.g. in a fire. This will be different from the market value of your home (or the amount you paid for it). For more information and resources to help you determine the rebuild cost, read our article here.

Methodology

In order to come up with a list of top picks for best cheap home insurance in the UK market, we first scoured quotes from a number of comparison sites and direct insurers to find companies that offered good value for money for our sample profile. Then we ranked brands on their TrustPilot customer ratings, Defaqto scores and Fairer Finance scores to find which of the cheap home insurance brands are best in terms of features and customer service. The companies in the top ten all had a minimum TrustScore of 3.8, a minimum Fairer Finance score of 59% and at least one 5 star-rated Defaqto product.

Cheap Home Insurance in Your Area

Comparison panel includes up to 50 UK home insurance providers. Powered by QuoteZone.

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List of home insurance companies analysed in this study

  • AA
  • Admiral
  • Adrian Flux
  • Apricot
  • Arkwright
  • Aviva
  • Axa
  • BeWiser
  • Bradford & Bingley
  • British Gas
  • Carole Nash
  • Churchill
  • computerquote
  • Co-op
  • dialdirect
  • Direct Line
  • Easy Insure
  • Ecclesiastical
  • esure
  • Fluxdirect
  • fresh home
  • Frontier
  • getcover.co.uk
  • GoSkippy
  • Halifax
  • Hastings Direct
  • Home Protect
  • Home Quote Direct
  • Homenet
  • iGO4
  • intelligent insurance
  • John Lewis
  • Legal & General
  • LV
  • M&S Bank
  • Magnet
  • More Than
  • NOVA Insurance
  • One Call Insurance
  • One Insurance Solution
  • Policy Expert
  • Post Office
  • Privilege
  • Quote 2 Insure
  • quotelinedirect
  • Quotemehappy
  • Quoteyourhome
  • RAC
  • RCIB
  • Rias
  • Sainsbury's Bank
  • Sheilas' Wheels
  • SunLife
  • Swiftcover
  • Swinton
  • Tesco Bank
Erin Yurday

Erin Yurday is the CEO, Co-founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.

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