Comprehensive Home & Contents Insurance Quotes

Compare property cover from 40+ leading UK home insurance providers
Homeowners & renters could save up to £257* when comparing online
Tailored options for buildings only, contents only, or combined home cover
Simple, secure online form completed in under 2 minutes

Three Steps to Save on Home & Contents Cover...

Compare top UK home insurers and protect your property in under 2 minutes

Step One

Enter Property Details

Enter details about your home, rebuilding cost estimate, security features, and required cover type.

Step Two

Compare 40+ Home Providers

View side-by-side quotes from top UK home insurers tailored to your property.

Step Three

Lock in Cover & Save

Choose the best combination of excess, accidental damage, and personal belongings cover.

Looking for something else?

Car Insurance

Van Insurance

Pet Insurance

Young Drivers

Classic Cars

EV & Electric

Imported Cars

Modified Cars

Kit Cars

Courier Insurance

ADAS Heavy Vehicles

New to the UK

Comprehensive Protection for Property & Belongings

Home insurance is a vital financial safety net protecting your house, outbuildings, and personal belongings against unexpected structural damage, flooding, fire, and burglary. Whether you are a homeowner needing mortgage-compliant buildings cover, a tenant seeking contents protection, or a landlord, comprehensive home insurance protects your most valuable assets.

Buildings, Contents & Combined Policy Formats

Buildings Insurance: Covers the physical structure of your property (walls, roof, permanent fixtures, fitted kitchens) against damage.
Contents Insurance: Protects household possessions inside the home (furniture, electronics, appliances, clothing, jewelry).
Combined Buildings & Contents Cover: Bundles structural and contents insurance together under a single policy for maximum savings.

What Is Covered Under Home & Appliance Policies?

Fire, Flood & Storm Damage: Financial coverage to repair or rebuild your property following severe weather, water leaks, or domestic fires.
Home Appliances & Electronics Cover: Protects white goods, kitchen appliances, TVs, and computers against accidental damage or loss.
Alternative Accommodation Costs: Pays for temporary housing for your family if structural damage renders your home uninhabitable during repairs.
Home Emergency Assistance: Optional 24/7 plumbing, drainage, boiler breakdown, and locksmith emergency service.

How Home Insurance Premiums Are Calculated

Home insurance premiums are calculated based on property location, building age, construction materials, local flood risk, rebuild cost valuation, contents total value, and home security features. Fitting approved 5-lever mortice locks and burglar alarms cuts annual costs.

How to Get Instant Home Insurance Quotes

Comparing home insurance on Clarity Compare takes less than two minutes. Enter your postcode, property details, and estimated contents value to evaluate tailored quotes from 50+ top UK home insurers.

Filing a Home Insurance Claim After Damage or Theft

In the event of property damage or break-in, notify your home insurer promptly. Document damage with clear photos, retain repair receipts, and provide police crime numbers for burglary claims to ensure fast payout.

Top Tips for Reducing Home Insurance Costs

Calculate Rebuild Cost, Not Market Value: Base buildings insurance on actual reconstruction costs (using BCIS tools) rather than market resale price to avoid overpaying.
Install 5-Lever Mortice Locks & Alarms: Fitting British Standard BS3621 locks and approved alarms dramatically reduces risk ratings.
Combine Buildings and Contents: Buying a combined home policy from a single provider is almost always cheaper than buying separate contracts.

"Your home is your sanctuary. Comprehensive home insurance safeguards your building, your household appliances, and your family possessions against life’s uncertainties."

Frequently Asked Questions About Home Cover

What is the difference between Buildings and Contents insurance?

Buildings insurance covers the physical structure (walls, roof, windows) and fixed fittings (bathroom, kitchen). Contents insurance covers everything you would take with you if you moved house (furniture, appliances, clothing).

Is home insurance legally required in the UK?

Home insurance is not legally mandatory, but mortgage lenders almost universally require valid Buildings Insurance as a compulsory condition of granting a mortgage.

Does home contents insurance cover appliances like washing machines and fridges?

Contents insurance covers appliances against fire, theft, and flood damage. Accidental damage or mechanical breakdown cover can be added to protect home appliances against everyday mishaps.

Insurance Articles

What Is Home Emergency Cover and Do You Really Need It?

April 12, 2026

Explore what home emergency insurance covers, from boiler breakdowns to plumbing emergencies, and decide if it's right for your home.

Why Home Appliance Insurance in the UK Is Worth It

March 25, 2026

Protect your white goods and kitchen appliances against sudden mechanical breakdowns and costly repair bills.

A Guide to Unoccupied Home Insurance: Protecting Empty Properties

February 04, 2026

Learn how unoccupied home insurance keeps vacant properties protected when left empty for extended periods.

READ ALL ARTICLES

Ready to Protect Your Home?

Save time, safeguard your property, and compare comprehensive home and contents insurance quotes.

Free to compare • Impartial results • Secure & FCA regulated partners

Email: patrick@claritycompare.com

Collingwood Buildings / 38 Collingwood Street Newcastle NE1 1JF GB

*51% of consumers could save £257.05 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from April 2026. The savings you could achieve are dependent on your individual circumstances.