I N S U R E N
United Kingdom

Office Address

  • United Kingdom
  • patrick@claritycompare.com

Pinterest

Social List

Is My Home Insured?

Whether you’ve experienced a recent incident or simply spotted an ad about home insurance, it’s natural to wonder: “Is my house actually covered?” At Clarity Compare, we help you understand where you stand. Use our quick guide to check if you're protected — and what to do if you're not.

Start a Quote
Hero Character

Is My Home Insured?

Not sure if your home is covered? You're not alone. At Clarity Compare, we make it easier to understand your insurance status — and what to do next.

Homeowners

If you own your home outright, you’ll only be insured if you’ve arranged cover yourself. There’s no automatic protection unless you've taken out a buildings insurance policy. It's essential to check that your policy is still active and hasn’t expired or failed to renew.

Leaseholders

If you live in a leasehold flat, maisonette, or house, your freeholder or building manager may already have buildings insurance in place. But don’t assume — always ask for confirmation, and request to see the policy if you’re unsure.

Renters

As a tenant, your landlord is responsible for insuring the building, but there’s no legal obligation for them to do so. That said, it won’t usually affect you directly — they’d cover the cost of any structural damage from fire, flood, or similar events.

How Can I Check If I Have Home Insurance?

Not sure if you’ve got home insurance, or can’t remember who your provider is? Don’t worry — here are a few easy ways to find out:

1. Check Your Bank Statements

Look through your recent bank or credit card statements for any regular payments to an insurance company. It might jog your memory or give you a name to contact.

2. Speak to Your Broker or Adviser

If you arranged cover through an insurance broker or financial adviser, they should have a record of your policy and provider.

3. Contact Your Mortgage Lender

If you have a mortgage, your lender may have asked for proof of buildings insurance when you applied. Reach out to them for a copy or details of what you submitted.

4. Search Your Email

Try searching your inbox for terms like “home insurance,” “buildings insurance,” or “contents insurance.” Even if you don’t remember the provider, your confirmation emails or renewal notices may still be there.

5. Check Your Files

Dig through your paperwork or digital folders — you might find old policy documents or renewal letters with your insurer’s details.

6. Know the Insurer but Not the Policy?

If you remember the name of the insurance company but can’t find the documents, give them a call. Most providers can locate your policy using your name and address.

Unlike car insurance, there’s currently no central UK database for home insurance policies — so a bit of digging may be needed.

How Much Does Home Insurance Cost?

  • Worried home insurance might be too expensive? The good news is — it may cost less than you think.

    At Clarity Compare, our data shows that:

    • 51% of people could get a buildings and contents insurance quote for less than £213 per year¹.

    • 10% of people could get the same level of cover for under £123 per year².

    Whether you own your home or have a mortgage, having both buildings and contents insurance helps protect you from the unexpected — like fire, flood, or theft.

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.

How Can I Insure My Home?

Found out your home isn’t insured? Don’t worry — getting cover in place is quick and straightforward with Clarity Compare.

Just share a few details about you and your property, and we’ll show you tailored quotes from trusted UK home insurance providers. You can compare prices, features, and levels of cover — all in one place.

Already have insurance but think you could get a better deal? You’re free to switch at any time. Just check your current policy to see if there are any cancellation fees for switching before your renewal date.

wpChatIcon
wpChatIcon

Contact us

Getting in touch with us has never been easier.
Live chat is available 8.30am - 5pm
Monday to Friday

×
🌐 Webform 📘 Facebook