Find home insurance that covers what you think it covers
Most people discover the gaps in their home insurance when they make a claim. Standard policies exclude more than people realise — accidental damage, high-value items, garden equipment, working from home. Knowing what's excluded before you need it is the point of comparison.
Tell us what you need — it takes 2 minutes →Free · No obligation · You decide whether to take it further
What brings most people here
- Not knowing what's actually excluded until a claim is rejected
- High-value items (jewellery, electronics, art) that exceed single-item limits
- Working from home — most personal policies don't cover business equipment
- Flood risk affecting your premiums and the cover actually available
What a good match looks like
- Buildings and contents cover with clear exclusion explanation
- Accidental damage and specified high-value item options
- Home office equipment riders if you work from home
- New-for-old replacement on contents as standard
How it works
Tell us what you need
A short form covering your situation and requirements. Takes around 2 minutes. No account required.
We identify suitable specialists
We match your requirements against Home Insurance specialists with relevant experience and verified client ratings.
Matched specialists review your requirements
Specialists who believe they can genuinely help will be in touch. You'll be able to see their ratings and completed jobs before deciding whether to proceed.
You decide — no pressure, no obligation
If a specialist looks right for you, you can progress through quote, contract, and payment — all in one place. If not, you're not committed to anything.
Why YouCompared is different
Matched on merit, not marketing spend
Specialists appear because they match your requirements and have the ratings to back it up — not because they paid to be at the top of a list.
Ratings from completed projects
Every rating on our platform comes from a job that was actually done. Not an anonymous review — a verified client, a real project.
One enquiry, not a data free-for-all
Your details go to specialists matched to your specific requirements — not broadcast to everyone on a list. You stay in control of who you engage with.
The process doesn't stop at the introduction
Quote, contract, payment, and review — managed in one place. We're involved through the whole project, not just the first contact.
Common questions about Home Insurance
What does home insurance not cover?
Standard policies typically exclude: general wear and tear, mechanical or electrical breakdown, damage caused by pets, loss of single items above a specified limit (usually £1,500–£2,500), items taken outside the home (unless specified), and business equipment. Flood and subsidence may be excluded in high-risk areas. Reading the exclusions is as important as checking the cover level.
Do I need buildings insurance if I own a flat?
Typically no — building insurance for flats is the freeholder's responsibility and is covered by the building's block insurance, which leaseholders contribute to through service charges. You need contents insurance for your possessions. Check your lease and service charge breakdown to confirm what's covered.
Does home insurance cover working from home?
Standard home insurance usually doesn't cover business equipment used for work (laptops, monitors), business stock, or professional liability arising from home-based work. If you work from home regularly, you either need a specific home office endorsement or a separate business insurance policy.
How do I avoid being underinsured on home insurance?
For buildings, use the rebuild cost (not market value) — tools like the RICS rebuild calculator help. For contents, list everything room by room; most people significantly underestimate. Being underinsured means a proportional payout on any claim, not a full one.
Ready to find the right Home Insurance specialist?
Tell us what you need. We do the matching. You decide whether to take it further.
Get started — it's free →