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Churchill offers two quite competitive home insurance plans. The basic Home Insurance plan may be a good option for those on a budget, as prices are lower than average but you won't have cover for extras like Accidental Damage unless you pay extra. Those wanting an all-inclusive, premium plan may want to consider the Home Plus plan, which includes higher cover limits and extras as standard.
Finding the best home insurance for you will depend upon your individual needs and situation. There may be other home insurance plans with better features available. You may also want to read about our top picks for best home insurance companies.
In This Review
- Overall Churchill Home Insurance Review
- Churchill Home Policy and Coverage Options
Churchill Home Insurance Review: What You Need to Know
Churchill offers two tiers of home contents insurance—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. These extras are available to purchase as add-on features to the basic Home Insurance plan, 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 Home Plus plan. Add-on costs are detailed below.
One perk we really like is that your Personal Possessions (included in Home Plus plans and optional extra on Home Insurance 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 (within the British Isles) while on a Churchill policy, your contents will be covered for loss, theft, etc. including, if it's part of your policy, Accidental Damage. Cover includes up to 72 hours (3 days) in storage but won't extend to cash, bicycles and breakables like china—so you may want to carry those yourself, if you're able and you have a car.
Churchill Home Insurance Key Facts
- Choose between basic "Home Insurance" or premium "Home Plus" plans
- Home Insurance plans include cover up to £50,000 for Contents and £1,000,000 for buildings
- Home Plus plans include cover up to £100,000 for Contents and an unlimited amount for buildings
- Pay one excess for a claim under both buildings & contents
- Optional Home Emergency cover includes pest infestations but not underfloor heating
- Plants and landscaping in the garden included in Contents cover
Churchill Home Insurance Price Comparison
We found that Churchill's basic Home Insurance plans run 17% less than the market average and Home Plus plans run +50% more than market, but this is not a surprise since Home Plus plans are comprehensive, including perks like Accidental Damage, Personal Possessions, Home Emergency and Family Legal Protection that could cost £215 if bought individually as add-on features.
We gathered pricing data from the Churchill website to give you a general idea of how Churchill 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.
Churchill gives the option to choose between a number of excess amounts, from £100 to £500. A policy with a higher excess will have a lower premium, because you're committing to pay more towards any valid claims. The chart above gives a general idea of how premiums drop as the excess rises. 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.
Churchill Home Insurance Add-On Costs
Here are estimated costs of add-ons for the basic Home Insurance plan. It can be useful to have an idea of the approximate cost of these optional features when you're deciding what cover to buy. Home Plus includes most of these features as standard, as shown below.
|Home Insurance||Home Plus|
|Accidental Damage - Buildings||£43||Included|
|Accidental Damage - Contents||£40||Included|
|Accidental Damage - Buildings & Contents||£83||Included|
|Bike||£50 (for bikes worth up to £500)||Included (for bikes up to £1k)|
|Home Emergency Cover||£58||Included|
|Personal Belongings (£2.5k)||£24||Included|
|Personal Belongings (£5k)||£47||Included|
Churchill Home Cover: Notable Features
Churchill's premium Home Plus insurance plans include features like personal possessions, accidental damage, home emergency and family legal as standard. Churchill's basic Home Insurance 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.
|Churchill Home Insurance Features||Notes|
Churchill 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, etc.
Three exclusions stood out to us as particularly mentionable. You may want to keep them in mind if you go with Churchill 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.
- 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 is limited to £2,000.
- 2. Those with underfloor heating should be aware that Churchill's Home Emergency cover does not protect against underfloor heating mishaps, so if that's your main source of heating you may prefer a different home emergency plan.
- 3. Finally, 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, theft, vandalism or frost damage.
Churchill Buildings & Contents Insurance: What's Covered?
Churchill Buildings cover protects against calamities such as fire, explosion, lightning, earthquake, smoke, frost, attempted theft, storm, flood, escaping water, subsidence, etc.
Churchill Home Cover Limits (For Buildings & Contents Cover)
|Home Insurance Policies||Home Plus Policies|
|Buildings sum insured||up to £1,000,000||Unlimited|
|Contents sum insured||£50,000||£100,000|
|Personal Possessions outside the home (e.g. mobile, laptop, watches, jewellery)||Optional Extra||Includes items up to £5,000 (option to add more)|
|High value home items||Includes items up to £2,000 (can increase)||Includes items up to £4,000 (can increase)|
|Alternative Accommodation||Up to £40,000 (£25k buildings + £15k contents)||Up to £80,000 (£50k buildings + £30k contents)|
|Replacement of matching sets and pairs||Not available||Included|
|Accidental Damage||Optional Extra||Included|
|Home Emergency (per callout)||Optional Extra||up to £500 (inc VAT)|
|Home Emergency (replacement boiler)||Optional Extra||up to £250 (inc VAT)|
|Home Emergency (1 night emergency accommodation||Optional Extra||up to £250 (inc VAT)|
|Family Legal Protection||Optional Extra||£100,000|
Churchill Contents Insurance
Churchill Contents insurance provides up to £50,00 of cover as standard, for financial protection in case of fire, theft, storm, flood, vandalism or other malicious acts, escape of water and subsidence.
Churchill Contents Only Cover Limits
|Contents Only Cover|
|Alternative accommodation for you and your pets||£15,000 (£25,000 if you also have Buildings Insurance)|
|Occupiers and Personal liabilities||£2,000,000|
|Contents temporarily taken out of the home||£5,000|
|Theft from outbuildings||£2,500|
|Valuables not listed separately on your policy||Up to 30% of your contents sum insured|