Home insurance
Home customers saved an average of £90 when they joined us*
The kind of home
insurance you want
Making a claim under both Buildings & Contents? You'll only pay one policy excess.
An online portal that lets you manage your policy 24/7.
A Claims service that can pay you direct to cover the cost of replacing items.
A range of flexible add-ons available. (More info)
Three cover levels to suit your needs and budget.
We’re rated No.1 for Home Insurance on Reviewcentre.com**
Take your pick
Buildings insurance sum covered
£600,000
£1,000,000
£1,000,000
Contents insurance sum covered
£60,000
£75,000
£100,000
New for old cover as standard
Alternative accommodation (buildings)
Up to £75,000
Up to £100,000
Up to £150,000
Alternative accommodation (contents)
£10,000
£10,000
£25,000
Credit cards in and away from home
£1,000
£1,000
£1,000
Personal money in the home
£250
£250
£1,000
Deep freezer contents
£300
£500
£750
Property owners liability
£2,000,000
£2,000,000
£5,000,000
Replacement locks or keys
£300
£500
£1,000
Legal Expenses Select
Home Emergency Select
Policy wording
Our policy wording has been reviewed by the Plain English Campaign, who champion policies that are crystal clear.
Policy wordingCreate cover that suits you
Select exactly what you need and we’ll tailor the perfect policy for you.
Home emergency
Legal expenses
Key cover
Cycle cover
Accidental damage
Away from home
If you have Home Emergency Cover, we'll arrange for a contractor to come and put in place a temporary repair during the emergency, to keep you and your home safe.
Claims line open 24/7, all year round
Burst pipes, plumbing and drainage problems
Security cover (if a window gets smashed, for example)
Boiler breakdown, including heating and hot water failures
Helping with your toilet if it’s blocked or won’t flush.
Home emergency
Legal expenses
Key cover
Cycle cover
Accidental damage
Away from home
People love what we do...
Best support ever for claim
Just renewed my home insurance for third year with Policy Expert. When you have around 50 years with no claims then a burst pipe devastates the house, I am so glad they were there to help me through it. My renewal quote with them was still better than other offers off comparison sites. 10/10
Mrs Buxton - 03/06/2024
Halved the cost of our insurance
Simple and straightforward process, but main thing was the improved level of building and contents cover, for half the price of the insurer we had shown loyalty to.
Hayley C - 29/08/2024
Communication is easy
I have had a home insurance policy with Policy Expert for 3 or 4 years now. Communication is easy with them, I always check my insurance renewal premiums as most providers increase renewal premiums by an unreasonable amount, however this is not the case with Policy Expert, and cover provided suits my needs.
Alex Francombe - 03/09/2024
Cover I need at a good price
I shop around each year for my house insurance and Policy Expert came up at £40 less than my current provider. The information on site suggests that it fulfils my needs. Clear and easy to navigate.
Brian Beighton - 09/09/2024