Home Insurance Emergency Cover UK

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

Tell us 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.

Your guide to home Insurance

Your home is likely your most valuable financial asset. Having adequate home insurance protects against structural damage from storms, fire, and flooding, while shielding your personal household contents from burglary or accidental loss.

Types of home insurance

There are three primary options when insuring a property in the UK:

Buildings Insurance: Covers the physical structure of your building (walls, roof, outbuildings) and permanent fixtures against damage.
Contents Insurance: Protects your household possessions inside the property (furniture, electronics, clothing, jewelry).
Combined Policy: Bundles buildings and contents cover together under a single policy, usually securing discounted rates.

What does home insurance cover?

Fire & Smoke Damage: Repair and rebuilding costs resulting from domestic fires or electrical faults.
Flooding & Water Leaks: Burst pipes, heavy storm flooding, and emergency plumbing damage.
Theft & Burglary: Replacing stolen personal possessions and repairing forced entry damage.
Subsidence & Structural Movement: Ground movement or foundation repair coverage.

How much does home insurance cost?

Home insurance premiums depend on property location, age, construction materials, local flood risk rating, estimated rebuild costs, and security locks fitted to exterior doors and windows.

How to get home insurance

Comparing home insurance with Clarity Compare takes under 2 minutes. Entering your address details and estimated contents valuation searches over 50+ top UK home insurance specialists.

Making a claim on your home insurance policy

In the event of damage or burglary, notify your insurer promptly. Document damage with photos and retain repair invoices for fast claim settlement.

Tips for getting the best deal on home insurance

Combine Buildings & Contents Cover: Bundling both policies together is typically cheaper than buying separate contracts.
Accurately Value Your Contents: Avoid over-estimating or under-insuring your household items.
Install Approved Locks & Alarms: Five-lever mortice deadlocks and burglar alarms lower risk ratings.
Increase Voluntary Excess: Choosing a higher voluntary excess lowers your recurring annual premium.

"Home insurance is a foundational financial safety net. Comparing combined buildings and contents cover across UK providers ensures your property and personal belongings are protected against unforeseen disasters."

FAQs For Comparing Home Insurance

What is the difference between buildings and contents insurance?

Buildings insurance covers the physical structure of your property (walls, roof, permanent fixtures). Contents insurance covers your personal possessions inside the home (furniture, electronics, clothing).

Do I need home insurance if I am renting a property?

If you are renting, your landlord is responsible for buildings insurance. However, you need Tenants Contents Insurance to protect your personal belongings.

Is accidental damage included in standard home insurance?

Accidental damage cover (e.g. spilling wine on a carpet or drilling into a water pipe) is usually an optional add-on that can be selected during quote comparison.

How do I calculate the rebuild cost of my home?

Rebuild cost is the estimated cost to reconstruct your property from scratch, not its current market value. You can estimate this using your property survey report or the BCIS rebuild calculator.