Best property insurance
3 GeraSure property policy lines, ranked cheapest-first by average annual premium — from £60–£250/yr.
Quick Answer
For the lowest entry premium in property cover, Contents Insurance starts at £60–£250/yr. The best choice depends on exactly what you need protected — the ranked list below shows what each policy covers.
#1Contents Insurance
£60–£250/yrContents-only insurance for renters and homeowners who want to protect their possessions without insuring a building they do not own. Covers belongings against theft, fire, flood, and accidental damage.
- ✓ Furniture, electronics, clothing, and appliances
- ✓ Theft — including burglary
- ✓ Fire and smoke damage
- ✓ Flood and water damage
#2Home Insurance
£150–£600/yrCombined buildings and contents insurance for owner-occupiers. Protects the structure of your home (buildings) and everything inside it (contents) against fire, flood, theft, escape of water, and accidental damage.
- ✓ Buildings: fire, flood, storm, subsidence, escape of water
- ✓ Contents: theft, fire, accidental damage, flood
- ✓ Alternative accommodation if home is uninhabitable
- ✓ Liability to public (injury in your home)
#3Landlord Insurance
£200–£900/yrSpecialist insurance for private landlords renting out residential property. Covers buildings, loss of rent, landlord liability, and optional legal expenses.
- ✓ Buildings insurance for rented property
- ✓ Loss of rent (if property uninhabitable after insured event)
- ✓ Landlord liability (injury or property damage claims from tenants)
- ✓ Optional: contents (landlord's furnishings)
Frequently asked questions
What is the cheapest property insurance?
In the GeraSure catalogue, Contents Insurance has the lowest starting premium in the property category at £60–£250/yr. Your actual quote depends on your risk profile, cover level and location.
Do I need contents insurance as a renter?
Your landlord's insurance covers the building — it does not cover your personal belongings. Contents insurance protects your possessions and is strongly recommended for all renters.
How many property insurance options does GeraSure offer?
GeraSure offers 3 property insurance policy lines: Contents Insurance, Home Insurance, Landlord Insurance.
Best insurance in other categories
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.