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Compare home insurance (UK, 2026)

Average combined buildings and contents cover cost £375 in Q1 2026 — the fourth quarterly fall in a row. Buildings-only averaged £306, contents-only £117.

How to read this page: Typical prices below are researched UK market figures (sources such as the ABI premium trackers and major comparison-site indices), correct as of June 2026 — your own quote will vary with age, location, cover level and history. Ratings are indicative editorial scores. Some buttons are affiliate links: we may earn a commission if you get a quote or buy, at no extra cost to you. See our guides for deeper reading.
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UK home insurance compared

UK avg combined: £375/yr (ABI Q1 2026)

Insure the rebuild cost, not the market value — underinsurance is the most common (and most expensive) home insurance mistake.

Aviva

★★★★★9/10
Direct insurer
£280–£420
combined, typical per year
  • Defaqto 5-star options
  • Contents new-for-old as standard
  • Alternative accommodation cover
  • Optional accidental damage
Get a Quote

LV=

★★★★★9/10
Direct insurer
£270–£400
combined, typical per year
  • Strong claims satisfaction record
  • Escape-of-water cover standard
  • Home emergency add-on
  • Flexible excess options
Get a Quote

Direct Line

★★★★☆8/10
Direct insurer
£290–£430
combined, typical per year
  • Not on comparison sites
  • 8-hour emergency boiler response option
  • Guaranteed repairs for 12 months
  • Squatter removal cover
Get a Quote

Policy Expert

★★★★☆8/10
Direct insurer
£230–£350
combined, typical per year
  • Top-rated home insurer on Trustpilot
  • Simple tiered cover levels
  • Competitive pricing
  • UK-based claims team
Get a Quote

Homeprotect

★★★★☆8/10
Specialist
£280–£450
combined, typical per year
  • Non-standard homes: listed, thatched, flood-risk
  • Unoccupied property cover
  • Renovation projects covered
  • Online quote for unusual risks
Get a Quote

Urban Jungle

★★★★☆8/10
Renters specialist
From £5
per month, contents for renters
  • Built for renters and sharers
  • Monthly rolling contents cover
  • Trustpilot Excellent rating
  • No paperwork, all online
Get a Quote

See buildings, contents and combined quotes from dozens of insurers in one search.

Compare quotes at GoCompare

What to compare before you buy

  • Buildings cover should equal the rebuild cost (use the free ABI/BCIS calculator) — not the purchase price.
  • Accidental damage is usually an add-on, not standard — the most commonly mis-assumed feature.
  • Check alternative accommodation limits: a serious escape-of-water claim can mean months out of the house.
  • Single-item limits (often £1,500–£2,000) matter if you own jewellery, bikes or cameras — declare high-value items.
  • Subsidence excess is typically £1,000; in older properties, check it before buying on price alone.
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Home & renters insurance for US visitors

For visitors in the United States — typical costs shown are US national averages (Bankrate, NerdWallet, KFF, NAPHIA and similar, as of 2026). Links may be affiliate links. US homeowners insurance averages about $2,424/yr for $300K dwelling cover (Bankrate/NerdWallet, 2026); renters insurance can start around $5/mo.

Lemonade

US
From $5
per month, renters
  • Renters from $5/mo (their claim)
  • Homeowners also available
  • Fast app-based claims
Visit Site

Liberty Mutual

US
~$1,800–$2,800
homeowners, typical per year
  • Quote online in minutes
  • Bundle with auto for discounts
  • Renters from a few $/mo
Visit Site

Hippo

US
~$1,900–$2,600
homeowners, typical per year
  • Smart-home discounts
  • Modern coverage for tech/equipment
  • Fast online quotes
Visit Site

Frequently asked questions

Do I need buildings insurance as a leaseholder?

Usually not — the freeholder typically insures the building and you pay through the service charge. You normally only need contents cover. Check your lease.

What's the difference between rebuild cost and market value?

Rebuild (reinstatement) cost is what it would cost to rebuild the house from scratch — often much lower than market value, which includes the land. Insuring at market value means overpaying; underestimating rebuild cost risks claims being scaled down.

Is flood cover standard?

Standard policies include flood, but high-risk postcodes are priced via the Flood Re scheme. Specialists like Homeprotect handle non-standard and high-risk homes.