Compare Home Insurance Quotes: 6 Ways To Save More In 2025
Learn how to protect your home and belongings with the right insurance at the best price, and discover up-to-date tips for saving money in 2025.
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Compare Home Insurance Quotes and Save More in 2025
Protecting your home is more crucial than ever, but you shouldn’t have to pay over the odds for quality coverage. With the right approach, you can secure comprehensive home insurance while making real savings. This article guides you through everything you need to know for 2025—from choosing the right policy and understanding what’s covered, to maximizing savings and navigating claims.
What Is Home Insurance?
Home insurance is a policy designed to financially protect your property and belongings from risks such as fire, theft, flooding, and accidental damage. Typically, it covers two main areas:
- Buildings insurance: Covers the structure of your home and permanent fixtures.
- Contents insurance: Covers your possessions and valuables inside the home.
Many homeowners choose a combined policy for both buildings and contents insurance, which can often be easier to manage and more cost-effective.
Why Compare Home Insurance?
With home insurance costs averaging £266.73 for combined buildings and contents cover in 2025, and £79.55 for contents-only policies, shopping around is the simplest way to cut your bills. Comparing quotes can save you up to £201 depending on your needs and property type. Why pay more than you need to?
- Potential to save hundreds per year on premiums
- Find tailored policies offering the protection you need
- Spot extra benefits and discounts from competing providers
What Does Home Insurance Cover?
Standard home insurance typically protects your home and belongings against:
- Theft and attempted burglary
- Fire, smoke, or explosions
- Flood and storm damage
- Escape of water (such as burst pipes or leaks)
- Vandalism and malicious damage
- Subsidence (if included in your policy)
Be aware that certain events or circumstances—like leaving your home unoccupied for more than 60 days, or damage due to wear and tear—may not be covered by standard policies without specialist arrangements.
Types of Home Insurance Policies
| Policy Type | Average Price (2025) | Key Benefits |
|---|---|---|
| Buildings & Contents | £266.73 | Comprehensive cover for both property and possessions |
| Buildings Only | £215.59 | Covers structure, fixtures, and fittings |
| Contents Only | £79.55 | Covers personal belongings and valuables |
While you can buy separate policies, bundling buildings and contents can often be cheaper and simpler to manage.
How Much Does Home Insurance Cost?
Insurance costs vary widely, but as of 2025, average prices are as follows:
- Combined buildings and contents: £266.73
- Buildings only: £215.59
- Contents only: £79.55
These averages are a baseline—your premium will depend on several factors, including:
- Property size, type, and age
- Location (including flood or crime risk)
- Rebuild cost for buildings
- Value of your possessions
- Security features (alarms, locks, etc.)
- Your claims history
- Amount of voluntary excess you choose
For example, a home with a history of subsidence or situated in a flood-risk area may face higher premiums or limited coverage options. However, schemes like Flood Re can help make cover available for high-risk properties built before 2009.
How to Save Money on Home Insurance
- Compare quotes annually: Never auto-renew without checking the market first.
- Increase your voluntary excess: You could save up to £5.16, but make sure you’re comfortable with the higher out-of-pocket cost if you claim.
- Renew early: Locking in a rate 25 days before renewal could save you around £4.54.
- Bundle buildings and contents insurance: Joint policies are often less expensive.
- Boost home security: Fitting approved locks, burglar alarms, or a safe can reduce your premium.
- Don’t over-insure: Accurately calculate the value of your home and contents, using a rebuild cost calculator for buildings insurance and a detailed inventory for contents.
Factors That Affect Your Premium
- Location: Burglary hotspots or areas with a high flood risk can raise your quote.
- Property history: Previous subsidence or a record of frequent claims may increase costs or limit cover.
- Value insured: Higher rebuild or contents values equal higher premiums.
- Home occupancy: Leaving your home unoccupied for long periods, such as 60 days or more, may require specialist insurance.
Extra Cover Options
To ensure total peace of mind, consider these add-ons:
- Accidental damage cover: For mishaps like spilling wine on carpets or drilling through a pipe.
- Personal possessions cover: Protect items taken outside the home, such as phones, laptops, or jewellery.
- Legal expenses cover: For costs incurred through disputes with contractors, neighbours, or employees.
- Home emergency cover: For rapid assistance with heating breakdowns, burst pipes, or electrical failures.
- Bicycle cover: Protect your bikes at home and in transit.
- Valuables insurance: For high-value items such as engagement rings, antiques, or collections.
Check individual policy limits and terms for each add-on; you may need to specify certain items or values to ensure adequate protection.
What’s Not Covered by Standard Home Insurance?
- Wear and tear or poor maintenance issues
- Damage caused by pests (e.g., rodents or insects)
- Business equipment unless declared
- Damage after leaving your home unoccupied beyond policy limits (usually 60 days)
- Acts of war or terrorism (usually require specialist policies)
How Do Home Insurance Claims Work?
Almost a quarter of claims are rejected each year—often because of inadequate cover, incorrect information, or lack of documentation. For a successful claim, follow these steps:
- Contact your insurer as soon as possible after the incident.
- Provide evidence of loss or damage (such as receipts, photos, or a police report for theft).
- Complete claim forms and supply supporting documentation promptly.
- Cooperate with any investigations or home inspections by your provider.
It’s crucial to know your policy’s exclusions, limits, and excesses in advance. Keeping an up-to-date inventory of your possessions (even a video recording) can make claiming for lost or damaged items much easier and quicker.
Specialist Home Insurance Needs
- Renovating your home? Standard insurance might not cover works-in-progress. Consider specialist renovation insurance until the work’s complete, then update your policy.
- Pet owners: Check if accidental pet damage is included or excluded in your cover.
- Unoccupied property: For homes left vacant for more than 60 days, an unoccupied home insurance policy may be needed to stay protected.
- Flood-risk properties: The government-backed Flood Re scheme helps those in high-flood-risk areas obtain affordable insurance for homes built before 2009.
How to Work Out Your Insurance Cover Amounts
- Buildings insurance: Use a rebuild cost calculator, not the market price of your home.
- Contents insurance: Walk room to room, listing and valuing your possessions. Don’t forget expensive items like jewellery, musical instruments, or art.
Underestimating can leave you short after a major loss. Overestimating means you’ll pay unnecessarily high premiums.
Latest Trends and Statistics (2025)
- The average combined home insurance policy is £266.73.
- Separate buildings and contents policies cost £215.59 and £79.55, respectively.
- 29.31% of claims result from escape of water—making leak vigilance worthwhile.
- Renewing 25 days early or adjusting voluntary excess payment can save you a few pounds annually.
- Contents insurance is a cost-effective way to protect thousands of pounds worth of possessions.
Why Use MoneySuperMarket?
- Access to a wide selection of insurers and deals
- Independent and transparent comparison—providers pay a fee, but do not influence ranking
- Tools to monitor your credit score and energy costs, driving further savings
- Plenty of expert guides, tips, and calculators to help you make informed decisions
Frequently Asked Questions (FAQs)
Q: Am I covered if my home is unoccupied for long periods?
A: Standard home insurance typically covers homes left empty for up to 60 days. If you leave your property for longer, you’ll need an unoccupied home insurance policy to maintain cover.
Q: Can I get cover if my home is in a flood-risk area?
A: Yes, many insurers participate in Flood Re, a government-backed scheme that helps people in high-risk areas (for homes built before 2009) access affordable insurance.
Q: Is it better to buy buildings and contents insurance together?
A: In most cases, yes. Bundling both policies tends to be cheaper and easier to manage.
Q: How can I lower my premium?
A: Compare quotes annually, consider increasing your voluntary excess, enhance home security, and ensure you only cover the value you actually need.
Q: How do I know how much cover I need?
A: For buildings cover, use a rebuild cost calculator. For contents, make a detailed room-by-room inventory and value your possessions realistically.
Useful Money-Saving Tools
- Credit Score Monitor: Discover how a good credit score can unlock cheaper deals.
- Energy Compare: Save more by switching your gas and electricity supplier.
- Insurance Guides: Access up-to-date expert advice on everything from making claims to finding the best policy add-ons for your needs.
Key Takeaways
- Home insurance is vital for protecting your biggest asset and belongings.
- Always compare policies to secure the best price and cover.
- Tailor your policy—bundle where possible, choose relevant add-ons, and accurately assess cover amounts.
- Renew early and consider your excess for additional savings.
- If you have specialist needs, such as for flood risk or renovations, seek out the right policy or scheme.
Saving money on home insurance doesn’t mean compromising your protection. With the right information and the willingness to compare your options, you can enjoy peace of mind—without paying over the odds.
References
- https://www.moneysupermarket.com/home-insurance/home-insurance-statistics/
- https://www.moneysupermarket.com/home-insurance/
- https://www.moneysupermarket.com/home-insurance/guides/
- https://www.moneysupermarket.com/home-insurance/cost-of-home-insurance/
- https://www.consumerreports.org/money/homeowners-insurance/buying-guide/
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