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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 affordable 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 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.
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. However if you want all-inclusive coverage then the Home Plus plan usually ends up cheaper than adding lots of extras to the basic plan.
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 Customer Complaints, Reviews and Ratings
According to Trustpilot, Churchill is rated 4.3 stars out of 5, which is quite good. 67% of customers reported an "Excellent" experience and 15% a "Bad" experience. While most reviews were positive, some customers have had issues with Churchill so we've scoured through the reviews to learn about common complaints. Here's what we found:
"... if you buy Home Emergency from them this is provided by CET which has proved an absolute nightmare! Churchill appear to have no link with the company afterwards i.e., in terms of accountability / monitoring service standards and I have had an extremely poor experience. Despite logging a complaint early December with CET, when it took days to fix my heating/boiler problem, I've heard nothing back."
"... after a flood I have been waiting nearly 6 months and nothing has been done. I am a disabled pension and was forced to rip up soggy carpets myself..."
"Churchill home emergency, boiler broken reported to Churchill home emergency where contract says response within 24Hrs. Well, they took three days to arrive."
"1 year later, my renewal came through nearly £100 more expensive then what I previously paid with them, which is nearly 50% more expensive... With high cancellation fee's too @ £50."
"When the policy was due for renewal they increased the premium and conveniently change the water (excess) to £500 from £250."
"I took out a home policy only to find when reading the full policy details that I was not covered because I did not have lockable window fasteners and a minimum of 5 lever locks on all my external doors. I rang Churchill to discuss this only to be told I was not covered. I cancelled the policy only to be told it would cost me £43 to cancel."
In terms of features, Churchill is considered to be top notch by Defaqto where they're received a full 5 stars out of 5 for both tiers of buildings and contents insurance.
|Churchill Home Insurance Defaqto Ratings (out of 5 stars)||Buildings||Contents|
|Home Insurance||5 stars||5 stars|
|Home Plus||5 stars||5 stars|
Churchill received fewer than 30 formal complaints with the Financial Ombudsman in each half of 2019.
Churchill Home Insurance Price Comparison
We found that Churchill is reasonably priced, but usually isn't the cheapest home insurance company for quotes in the UK market, as you can see in the chart below.
We gathered pricing data for a sample 35-year-old policyholder living in a mortgaged, 3-bedroom semi-detached home in SN11 to see how Churchill quotes compared to other household names. Quotes for your profile may be very different, 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, inner 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, although prices can vary. 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. up to £1,000,000 with their Home Insurance plan and an unlimited amount with the Home Plus plan.
Churchill Contents insurance provides up to £50,000 of cover on the Home Insurance plan and £100k on Home Plus for financial protection in case of fire, theft, storm, flood, vandalism or other malicious acts, escape of water and subsidence.
Churchill Home Cover Limits (For Buildings & Contents Cover)
|Churchill Home Insurance Coverage||Home Insurance||Home Plus|
|Buildings (if selected)|
|Buildings sum insured, up to||£1,000,000||Unlimited|
|Alternative accommodation and rent||£25,000||£50,000|
|Trace and access||£5,000||£10,000|
|Property owner’s liability||£2,000,000||£5,000,000|
|Contents (if selected)|
|Contents sum insured, up to||£50,000||£100,000|
|Valuables limit||30% of Contents sum insured||30% of Contents sum insured|
|Valuables single item limit||£2,000||£4,000|
|Alternative accommodation and storage||£15,000||£30,000|
|Theft from outbuildings/garages||£2,500||£5,000|
|Garden plants||£1,000 per claim, £250 per plant||£2,500 per claim, £500 per plant|
|Money in the home||£500||£1,000|
|Contents at university, college or boarding school||£5,000||£10,000|
|Contents temporarily away from your home||£5,000||£10,000|
|Birth of a child, religious festivals and weddings or civil partnerships||10% of Contents sum insured||10% of Contents sum insured|
|Personal Possessions||Optional with Contents||Included with Contents|
|Single item limit||£2,000||£4,000|
|Bicycles (per bicycle)||£500||£1,000|
|Theft from unattended motor vehicle||£1,000||£2,000|
|Family Legal Protection||Optional||Included|
|Legal costs and expenses £100,000||£100,000||£100,000|
|Emergency call out £500||£500||£500|
|Replacement boiler £250||£250||£250|
|One night emergency accommodation £250||£250||£250|