Home vs contents insurance
What each policy covers, who needs what, and the most common misunderstandings.
Read guide →Guides • Home Insurance
Home insurance guides (UK)
Plain-English home insurance guides to help you choose the right cover, avoid underinsurance, and compare policies like-for-like.
- ✔ Clear explanations
- ✔ Practical checklists
- ✔ UK-focused terms
Start here
If you only read one page first, make it this one.
Underinsurance explained
Why sums insured matter and how claims can be affected if your cover is too low.
Read guide →Core home insurance topics
These pages cover the decisions that most affect value and claim outcomes.
Accidental damage
What it may include, common exclusions, and when it might be worth adding.
Read guide →High-value items
Single-item limits, specifying valuables, and simple proof-of-ownership tips.
Read guide →Key terms: excess
What an excess is and why it matters when comparing quotes.
Excess explained →Key terms: sum insured
The maximum amount a policy section will pay — and why it links to underinsurance.
Sum insured →Learn first, then compare
A simple path that keeps your quote comparison consistent.
1) Decide what you need
Buildings, contents or combined cover — based on your situation.
Home vs contents →2) Set sums insured properly
Get rebuild/replacement values right before you compare price.
Underinsurance →3) Choose extras
Accidental damage, valuables, and any personal possessions options.
Accidental damage →4) Compare home quotes
Use the quotes page to keep your comparison like-for-like.
Compare quotes →Affiliate disclosure
Some links on this site are affiliate links. If you choose a provider through a link, we may earn a commission at no extra cost to you. Always check the provider’s website for the latest terms and product details.