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Home : Insurance : Home Insurance : Compare Home Insurance :

Compare Home Insurance

Choosing the right home insurance

With so many different UK home insurance companies to choose from, it can be difficult and time‑consuming to know where to go to find the right home insurance policy. Here we offer some tips on comparing home insurance policies and some information on what we offer as an insurance broker.

Before you start shopping around it's worth considering the type of cover you'll need for your home.

Buildings insurance

Buildings insurance provides cover for the physical fabric of your home and its fixtures and fittings against events like fire, storm and flood. If you're buying a house your mortgage provider will insist that you have buildings cover.

It's important to make sure a policy provides the cover you need. If you're concerned about accidental damage to your building look for a policy which offers accidental damage cover. Cover against accidental damage is a standard feature of our buildings insurance policy.

If you want the peace of mind that comes from knowing you'll receive help with household emergencies, like a burst pipe, look for a policy which provides a 24-hour helpline and cover for emergency repairs. With our emergency cover we'll pay for labour costs up to £70 and for materials up to £100 for the repair of insured emergencies.*

If you need to cover your building and also want cover for the contents of your home consider a combined buildings and contents policy. A combined policy may be cheaper than buying separate insurance policies for buildings and contents, although it's worth comparing combined and separate policies when shopping around.

Contents insurance

Contents insurance generally covers possessions you'd take with you when moving house. A policy is likely to cover your furniture and furnishings, household goods, kitchen equipment, home entertainment equipment, clothing, and certain valuables, up to a stated limit.

As with buildings insurance it's worth thinking about what you need cover for. Do you want to cover your possessions against accidental damage? Would you like cover for possessions you take out of the house? If you have valuables, like jewellery, which you would like covered when you take them away from home look for a policy which is tailored to provide cover for carrying your possessions with you.

How to find a good home insurance deal

To find the right home insurance policy it pays to compare insurance quotes from different providers. A good way to do this is to make a chart to record what is and isn't covered by the policies you're comparing. It's important to consider policy benefits as well as price to ensure that you are making a like for like comparison. It's also a good idea to look at the excesses for any policy you're considering.

If you're a homeowner looking for buildings insurance it's important to work out how much it would cost to rebuild your home from scratch. When you're considering a buildings policy check that it covers the cost of rebuilding your home. Alternatively, you could choose a policy which is rated on the number of bedrooms in your property. We offer this type of policy, and the advantage for our customers is that you won't need to tell us the re-build value of your house.

Similarly, if you need insurance for the contents of your home it's worth working out the value of your contents so you can check that a policy offers you an adequate level of cover. To work out the value of your contents you can use our home contents calculator.

What about insurance comparison websites?

Insurance comparison websites can save you time because they allow you to view several quotes at once. To ensure you're getting a fair comparison between quotes it's important to consider the policy benefits and any excesses that apply to each policy as well as looking at the premiums quoted.

What we do as an insurance broker

The AA is a leading home insurance broker, this means we compare home insurance quotes from a specially selected panel of over 10 leading insurance providers in the UK to find you the lowest quotes we can. Whether you're looking for separate buildings and contents cover or a combined buildings and contents policy, we can help you to find a great deal.

Our Deal Checker system does the searching for you, so you could save time and money. Our search is tailored to your needs, which means that whether you're a new customer looking for a quote, or an existing AA customer renewing your insurance, we'll look to find you a great deal each time we search for your home insurance.

You can also view our policy benefits before you buy, which means that when we search for your quote you'll already know about the benefits you could receive.

What if I need specialist cover?

As well as offering standard home insurance we can also offer you insurance for the contents of your home if you're a student, or if you have a holiday home, we also offer holiday home insurance.

You could find the cover you need for your home with AA Home Insurance. Get a quote online.