Home Insurance
propertyCombined 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.
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.
Typical Annual Premium
£150 – £600per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓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)
- ✓Emergency home assistance (burst pipes, boiler)
Key Exclusions
- ✕General wear and tear
- ✕Pre-existing damage disclosed at inception
- ✕Deliberate damage by the policyholder
- ✕Unoccupied properties (over 30 days — check policy)
- ✕Business equipment over standard limits
How to Make a Claim
- 1
Report the incident and secure the property to prevent further damage
- 2
Log your claim on GeraSure or call the insurer's claims line
- 3
Upload photos and evidence of damage
- 4
Insurer appoints loss adjuster for large claims (>£2,500)
- 5
Receive settlement offer — accept or appeal
Available In
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Get a Free QuoteFrequently Asked Questions
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.
Is home insurance compulsory in the UK?
Buildings insurance is not legally required, but your mortgage lender will almost certainly require it as a condition of your mortgage. Contents insurance is entirely optional but strongly recommended.