Top Cheap Home Insurance Companies UK

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  • British Gas home insurance logo
  • Axa home insurance logo
  • Hastings Direct home insurance logo
  • Swinton home insurance logo
  • Policy Expert home insurance logo
  • British Gas 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
British Gas 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 55 UK brands. Here are the best of the group.

List of Top 10 Cheap Home Insurance Companies UK

Best, Cheap Home Insurance CompaniesTrustPilot ScoreDefaqto Score - BuildingsDefaqto Score - ContentsFairer Finance Score
1esure3.75 stars5 stars61%
2Swinton4.34 stars to 5 stars3 stars to 5 stars60%
3Sheilas' Wheels3.95 stars5 stars57%
4Swiftcover4.53 stars to 4 stars3 stars57%
5Hastings Direct4.43 stars to 5 stars3 stars to 5 stars56%
6Dial Direct4.54 stars3 stars55%
7Policy Expert4.63 stars to 4 stars3 stars to 4 stars54%
8More Than4.33 stars3 stars57%
9Endsleigh4.32 stars to 3 stars1 star to 2 stars57%
10Axa3.51 star to 5 stars2 stars to 5 stars59%

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 some of the cheaper 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. esure

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

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

2. Swinton

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.

  • Trustpilot customer rating: 4.3 out of 5 stars
  • Defaqto: 3 stars to 5 stars

3. Sheilas' Wheels

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. All of their home insurance products are rated 5 stars by Defaqto for features.

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

4. Swiftcover

Swiftcover is a trading name of the AXA Insurance Group that offers a budget insurance option by operating as an "online" insurance service. That means it may be more difficult to speak with customer service if you have a problem or query (you can call in the even of a claim, of course) because they prefer contact via email or social media channels—this may not suit everyone.

  • Trustpilot customer rating: 4.5 out of 5 stars
  • Defaqto: 3 stars to 4 stars

5. Hastings Direct

Hastings Direct is a digitally focused insurance provider that primarily sells car, bike, home and van insurance; they also operate through their Hastings Essential and insure Pink brands. In 2018 they were voted Moneyfacts Car Insurance Provider of the Year by consumers—for the fourth time. Not surprisingly, their 4.4 out of 5 Trustpilot TrustScore is strong, and they offer some 5 star Defaqto-rated products.

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

6. Dial Direct

Dial Direct is an insurance broker that offers car, home and van insurance to customers. They've achieved an impressive 4.5 star TrustScore and have sold policies to over 1 million customers. Unlike some brokers, they have a dedicated 24/7 UK-based claims support team. They work with a panel of insurers so policies can be underwritten by any of a number of insurers (e.g., AXA, LV, Allianz, RSA, UK General, Zenith, Zurich, Covea, etc.), some of which are on this top 10 list.

  • Trustpilot customer rating: 4.5 out of 5 stars
  • Defaqto: 3 stars to 4 stars
  • Fairer Finance: 55%

7. Policy Expert

Policy Expert is a relative newcomer in this category, launching in 2011, but within just two years the company became the #1 rated UK home insurance provider on Review Centre. They also have the highest customer experience rating our Top 10 Best, Cheap Home Insurance Providers, achieving a TrustScore of 4.6 out of 5 stars. Perhaps not surprisingly, they've also won the Insurance Choice Award for Best Home Insurance Provider. They also sell car insurance.

  • Trustpilot customer rating: 4.6 out of 5 stars
  • Defaqto: 3 stars to 4 stars

8. More Than

More Than was established in 2001 as a fresh, new trading name of Royal & Sun Alliance Insurance plc, which also underwrites other home insurance brands such as John Lewis. More Than was a highly commended runner up 'Best Home Insurance Provider' in the Personal Finance Awards for 2019/20, but they also offer car, pet, travel and life insurance.

  • Trustpilot customer rating: 4.3 out of 5 stars
  • Defaqto: 3 stars
  • Fairer Finance: 57%

9. Endsleigh

Endsleigh may be known as an insurance intermediary specialising in products for students, unions and professional association, but they sell to the wider market as well and can be found on comparison sites like our home insurance partner QuoteZoneQuoteZone. Based in Cheltenham, Endsleigh was voted the 'Best Student Insurance Provider' at the Insurance Choice Awards in 2018 and is recommended by the National Union of Students (NUS). In addition to home insurance they also offer car, travel, gadget, life and landlord insurance.

  • Trustpilot customer rating: 4.3 out of 5 stars
  • Defaqto: 1 star to 3 stars
  • Fairer Finance: 57%

10. Axa

AXA, a large multinational insurance firm, was recognised as the UK's 'Best Home Insurance Provider' in the Personal Finance Awards for 2019/20, ahead of LV= and More Than. They're also one of the biggest home insurance providers in the UK, selling direct to customers through their own website, via comparison sites like our partner QuoteZoneQuoteZone and through brokers. Check a product well before you buy, however, because some of their products have a particularly low Defaqto rating.

  • Trustpilot customer rating: 3.5 out of 5 stars
  • Defaqto: 1 star to 5 stars
  • Fairer Finance: 59%

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.

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.

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 to find the 20 companies that were consistently among the cheapest for our sample profile. Then we ranked companies on their TrustPilot or Reviews.io 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 3.5, a minimum Fairer Finance score of 54% and at least one 3 star-rated or better 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
  • Acorn
  • Admiral
  • Apricot
  • Arkwright
  • Axa
  • BeWiser
  • Bradford & Bingley
  • British Gas
  • Carole Nash
  • Churchill
  • computerquote
  • Co-op
  • dialdirect
  • Easy Insure
  • Endsleigh
  • 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.com
  • 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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