Buyer's guide · 2026
Best Property Insurance
Property cover protects the building you own, the things inside it, or a property you let out. The right policy depends on whether you live in the home, rent it out, or only need to protect your possessions.
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| Cover | Best for | Typical UK premium |
|---|---|---|
| Home Insurance | Combined buildings and contents insurance for owner-occupiers. | £150–£600/yr |
| Contents Insurance | Contents-only insurance for renters and homeowners who want to protect their possessions without insuring a building they do not own. | £60–£250/yr |
| Landlord Insurance | Specialist insurance for private landlords renting out residential property. | £200–£900/yr |
1. Home 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.
Covers
- 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)
Excludes
- General wear and tear
- Pre-existing damage disclosed at inception
- Deliberate damage by the policyholder
- Unoccupied properties (over 30 days — check policy)
Available in: United Kingdom, Ireland, Armenia, Georgia
2. Contents 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.
Covers
- Furniture, electronics, clothing, and appliances
- Theft — including burglary
- Fire and smoke damage
- Flood and water damage
Excludes
- Buildings (structural elements)
- Vehicle contents
- Business equipment above policy limit
- Wear and tear
Available in: United Kingdom, Ireland, Germany, France
3. Landlord Insurance
£200–£900/yrSpecialist insurance for private landlords renting out residential property. Covers buildings, loss of rent, landlord liability, and optional legal expenses.
Covers
- 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)
Excludes
- Deliberate damage by tenants (check policy limits)
- General maintenance and wear and tear
- Unoccupied properties beyond policy's void period
- Tenant's personal belongings
Available in: United Kingdom, Ireland
Frequently asked questions
What types of property insurance are there?
The main options are Home Insurance, Contents Insurance, Landlord Insurance. Each protects against a different risk, so the right choice depends on your circumstances.
How much does property insurance cost in the UK?
Typical annual premiums in this category range from £60 to £900 per year depending on the cover and your circumstances. Get a live quote for an accurate price.
What is the difference between buildings and contents insurance?
Buildings insurance covers the physical structure of your home — walls, roof, floors, and fixed fittings. Contents insurance covers moveable possessions inside the home. Combined home insurance covers both in a single policy, which is typically cheaper than buying separately.
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.
Get the right property insurance
Compare FCA-regulated insurers on GeraSure and only pay for the cover you need.
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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.