Family
How do I compare home insurance in the UK?
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In short: Match rebuild cost for buildings, contents sum insured, excess, accidental damage and flood cover across quotes. Use the same assumptions on comparison sites — cheapest premium with wrong sums insured can leave you underinsured.
Content updated:
Rebuild cost is not market value. Walk room by room for contents totals.
Check single-item limits for bikes and jewellery.
See our compare home insurance guide and buildings vs contents explainer.
Part of our Family & care
This quick answer sits inside our wider family & care hub — with sub-guides, calculators and step-by-step explainers on the same topic.
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