Compare Home Insurance

Young family and dog in home sat on wooden floor with mobile tablet
Written by: Alistair Ball Head of Insurance, Asda Money 11 Feb 2021

Choosing home insurance is all about finding the right type of cover for your needs, and comparing home insurance quotes to find a policy that fits your budget.

There are a few different factors to think about when comparing home insurance, so it’s best to figure out what you need before searching out the best quote.

What is home insurance?

Home insurance in the UK provides financial protection against damage to your property and possessions, covering the cost of replacements or repairs. This can be due to specific things like a fire or a burst pipe, while some policies provide cover for accidental damage such as breaking a laptop or TV.

How do I compare home insurance?

You first need to figure out if you need combined buildings and contents insurance, or just contents. The main reason you’d need combined home insurance is if you own your house, while if you rent you’ll likely only need contents insurance as the building would be insured by your landlord.

Once you know what type of cover you need, you can look at other available options and differences between polices and quotes. When trying to find a good premium, don’t forget to take the excess into account. Having a high excess may mean lower premiums, but if you have to claim then you’ll have a higher amount of money to pay yourself.

Choosing optional add-ons

Many insurance providers offer optional add-ons with their home insurance policies. This can include extra cover for accidental damage, or cover for possessions taken outside your home such as a laptop or a bicycle.

You should check if these will give you value for money before adding them to your policy, and tailor extras to what you actually need. If you carry your laptop around outside your home, or you ride a bike regularly, extra cover might be worthwhile.

Check Home Insurance quotes carefully

Once you’re near to choosing your policy, it’s important to check over everything carefully. This is especially important if you’re using a home insurance comparison to compare quotes, as they may not provide full policy information.

You should also check that your chosen quote covers exactly what you need in terms of cover, whether that’s extras for possessions outside your home, or specific cover for antiques or valuables.

Asda Home Insurance

Compare home insurance quotes now and see the different options and levels of cover available.