Churchill Home Insurance Review: Is This the Plan for You?

Churchill Home Insurance Review: Is This the Plan for You?

Good for

  • Getting New for Old cover, including clothing
  • Covering pest infestations (included under Home Emergency add on)
  • Amending policy online with no admin fees
  • Covering jewellery covered when you move

Bad for

  • Those who want protection for underfloor heating within Home Emergency cover

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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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

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.

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

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 InsuranceHome Plus
Accidental Damage - Buildings£43Included
Accidental Damage - Contents£40Included
Accidental Damage - Buildings & Contents£83Included
Bike£50 (for bikes worth up to £500)Included (for bikes up to £1k)
Home Emergency Cover£58Included
Personal Belongings (£2.5k)£24Included
Personal Belongings (£5k)£47Included
chart showing approximate cost of home insurance add ons for Churchill home insurance
How much will you pay for home insurance extras?

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 FeaturesNotes
Personal Possessions
  • Details
    • Cover for 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
    • total Valuables limit is 30% of your Contents limit
  • A Notable Exclusion
    • Theft from a vehicle is only a valid claim if the item was hidden from view in a locked boot or closed glove compartment
  • Home Insurance Plans
    • Optional cover starting from £2,500
    • £2,000 per item limit, although you can add more valuable items
  • Home Plus Plans
    • Personal Possessions cover for £5,000 is included on Home Plus policies
    • £4,000 per item limit, although you can add more valuable items
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 wear and tear, damage from pets or damage to items taken outside of the home (you'll need Personal Possessions cover for that)
  • Home Insurance Plans
    • OPTIONAL extra on Home Insurance policies
  • Home Plus Plans
    • Included
Home Emergency
  • Details
    • Cover for home emergencies like a broken boiler, loss of primary heating, internal plumbing and drainage (and underground external drainage), electricity failure, damage to external locks/windows, pest infestations
    • up to £500 per incident
  • A Notable Exclusion
    • Underfloor heating not covered
  • Home Insurance Plans
    • Optional extra
    Home Plus Plans
    • Included
Family Legal
  • Details
    • 24-hour legal helpline
    • Legal costs up to £100,000
  • Home Insurance Plans
    • Optional extra
  • Home Plus Plans
    • Included

Notable Exclusions

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 PoliciesHome Plus Policies
Buildings sum insuredup to £1,000,000Unlimited
Contents sum insured£50,000£100,000
Personal Possessions outside the home (e.g. mobile, laptop, watches, jewellery)Optional ExtraIncludes items up to £5,000 (option to add more)
High value home itemsIncludes items up to £2,000 (can increase)Includes items up to £4,000 (can increase)
Alternative AccommodationUp to £40,000 (£25k buildings + £15k contents)Up to £80,000 (£50k buildings + £30k contents)
Personal Liability£2,000,000£5,000,000
Replacement LocksIncludedIncluded
Replacement of matching sets and pairsNot availableIncluded
Accidental DamageOptional ExtraIncluded
Home Emergency (per callout)Optional Extraup to £500 (inc VAT)
Home Emergency (replacement boiler)Optional Extraup to £250 (inc VAT)
Home Emergency (1 night emergency accommodationOptional Extraup to £250 (inc VAT)
Family Legal ProtectionOptional 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
Contents cover£50,000
Alternative accommodation for you and your pets£15,000 (£25,000 if you also have Buildings Insurance)
Occupiers and Personal liabilities£2,000,000
Business equipment£5,000
Contents temporarily taken out of the home£5,000
Theft from outbuildings£2,500
Valuables not listed separately on your policyUp to 30% of your contents sum insured

Other Useful Information