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  • patrick@claritycompare.com
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Protect Your Home with the Right Cover

Compare home insurance from just —---- and keep your home and belongings protected with confidence.

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  • Get a quote in minutes
  • Access your account anytime
  • Save money on buildings and contents cover
  • Rated 4.9/5 by customers on Trustpilot
  • Enjoy exclusive rewards when you switch via Clarity Compare
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Why Clarity Compare Home Insurance?

It’s easy to compare home insurance quotes and find the right deal and price. Here’s how:

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1. Automated Quote Search

Our systems automatically search for quotes for home insurance up to your renewal date.

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2. Quick and Easy

Get a quote in minutes – it’s that fast, easy, and simple.

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3. Save Up to ——–

We show you quotes from trusted insurers, and you can see how much you could save.

Is Home Insurance Important?

Home insurance is not legally required in the UK; however, it is a very valuable financial protection policy. Home insurance is useful for:

1.  Repairs or rebuilding costs once an event covered by the policy has taken place

2. Replacement costs of items that may have been stolen or damaged 

3. If you have to get temporary accommodation, if your home is now uninhabitable 

Being covered correctly can give you peace of mind when you may need it the most. 

How Much Does Home Insurance Cost?

It is possible to find combined buildings and contents cover for less than a year. Typically, if bought separately:
  • Buildings insurance: less than ———

  • Contents insurance: less than ——
Cost is based on a number of factors such as the rebuild value of your home, where your home is located and any previous claims you may have had.

Who Needs Home Insurance?

1. Homeowners

Typically, a homeowner would acquire both buildings and contents insurance. Most mortgages require building cover.

2. Renters

Contents insurance will protect their belongings; landlords are typically responsible for building insurance.

3. Landlords

For owners letting out their property, buildings insurance is essential, and owner-furnished properties can reduce the cost if you are looking for landlord contents cover too.

4. Students

Policies exist for student contents cover and would protect anything in relation to gadgets and valuables while living in shared accommodation.

Why Use Us

5. Holiday Homeowners

Specialist cover is sometimes required even if your second home is unoccupied for longer holidays.

6. Listed Building Owners

This may include bespoke cover relating to restoration and related works.

7. Owners of Non-Standard Homes

If you are using non-standard materials or a custom-designed home, you may be required to get non-standard insurance.

8. Unoccupied Properties

Plenty of insurance companies offer insurance protection for empty homes, and unoccupied home insurance offers protection against all the risks that may be created while major renovations are carried out.

Types of Home Insurance

️
Buildings Insurance

Protects the structure of your home, which includes items like walls, the roof, windows, and permanent fixtures, as a result of things like flooding, fire, storms, etc.

Contents Insurance

Protects items in your home, such as furniture, appliances, clothes, and other personal items and high-value items. You must declare items if you want full coverage for them.

Combined Buildings and Contents Insurance

Convenient, cost-effective, and claims are straightforward. Compare both the timeframe combined and separate policies to determine the best fit.

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Testimonials

What Our Customers Say?

"Clarity Compare made the entire process so easy! I found great car insurance in minutes and saved over £200 compared to my renewal quote."

Lucy H.

"I wasn’t sure where to start with life insurance, but their platform and expert advice gave me clarity and confidence. Highly recommended!"

Mark J.

"I loved how simple and quick it was to compare travel insurance. I found a perfect deal and felt fully covered for my trip."

Ayesha K.

"Their customer support is top-notch. I had questions about home insurance, and the team guided me without any pressure. Fantastic service!"

Tom R.

"The best part was how transparent everything felt. No hidden fees or confusion—just honest comparisons and great value."

Natalie W.

What do I need to get a home insurance quote?

Getting started is quick and easy, but having a few key details ready will help
you get the most accurate quote.

️
About you and your property

We’ll ask for some basic information — like the type of home you live in (flat, terrace, semi-detached), how old it is, what the roof is made of, and how many bedrooms it has.

Your home’s rebuild value

This is how much it would cost to rebuild your home from scratch — not the market value. With prices rising, it’s important to check this figure is up to date.

The value of your contents

Estimate the total cost of replacing everything inside your home. If you own items worth over £1,500, be sure to list them separately.

Start a quote →

What Home Insurance Covers

✅ Generally Covered

1. Damage to the home and belongings: Fire, flood, storms or heavy rain, burst pipes, accidents, and falling objects

2. Subsidence - "Ground movement" that causes structural damage

3. Theft - From inside your home; optional personal possessions cover for affected items outside the home

4. Alternative accommodation - If your home is damaged, you have to move into temporary housing

❌Generally Not Covered

1. Wear & tear - This is more gradual damage; new-for-old cover usually means replacement.

2. Negligence: Damage to home or belongings that occurs because you did not maintain your plumbing or your electrical systems

3. Storm damage to fences: Fences are usually excluded

4. Damage caused by pets: There is always the option for accidental damage cover

Optional Home Insurance Add-Ons

1. Home emergency cover

If there is an urgent problem, like a burst pipe or your boiler stops working, they can come pretty quickly.

2. Accidental damage cover

Covers damage like spills or if you put a hole in the ceiling.

3. Personal possessions cover

Mobile phones, electronic gadgets, bicycles, and personal valuables that are outside the home.

4. Legal expenses

In disputes with builders/contractors or neighbours.

5. Bicycle Insurance

Protect bikes and accessories against theft or damage, including personal injury.

How to Get Cheaper Home Insurance

Shop Around

Don’t just renew automatically, but shop and see how much it costs each year.

Don’t Over-Insure

Estimate your home rebuild and possessions correctly.

Improve Security

In some cases, locks, alarms, and cameras may be a bachelor’s degree in reducing risk and premiums.

Automate Your Home Insurance Quotes

Compare once, and we will automatically search and find the best values for you as you begin the process to renew your policy –
we do the heavy lifting – no stress to you.

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Home Insurance FAQs

 

What is the cheapest homeowners' insurance?

This depends on the property, location, coverage, and it’s very important to regularly compare quotes if you plan to find the best deal for you.

You need to check your provider’s claims process for simple-to-follow instructions.

You can, and your excess amount might affect your premium.

Some providers may take it into account, but it’s not a deciding factor for all providers.

The optional personal possessions cover extends this to anything outside of your home, too.