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Peace of mind with esure Home Insurance

Protect your property with our trusted Home Insurance. If you’re looking for buildings insurance, contents insurance, or both, we’ve got you covered.

Home insurance

With two options to choose from (esure Flex Home Insurance and esure Home Insurance), you can find the cover that best fits your budget and needs.

  • Choice of 3 or 5 Star Defaqto rated cover
  • 24/7 access to your policy in your Account
  • Alternative accommodation
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What is home insurance?

Combined home insurance protects your house and its contents. It can help pay for repairs or rebuilding if your house is damaged by events that are out of your control, like fire, storms or floods. It also covers the cost of replacing stolen items or fixing damaged ones.

There are two types of home insurance that make up combined cover:

Buildings Insurance

Covers the actual structure of your home, including things like walls and windows.

Contents Insurance

Provides cover for any items in your house that aren’t part of the structure or fitted in your home - things like furniture, TVs and home office equipment.

These cover options can be bought individually or together, depending on your needs.

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Choose the product that meets your needs

To help get the cover that’s right for you, we have two Home Insurance products you can choose from - esure Flex Home Insurance and esure Home Insurance. Take a look at how the two compare:

 
Defaqto rating
The Defaqto 3 Star rated logoThe Defaqto 5 Star rated logo
Buildings cover
Up to £750,000Unlimited
Contents cover
Up to £75,000Specified by policyholder
Fridge and freezer contents
Up to £500Up to £1,000
Liability cover
Up to £1 millionUp to £2 million
Specified items cover away from the home
Only if you request itOn all items as standard
Escape of water
Storm and flood
Theft and attempted theft
Alternative accommodation
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Do I need home insurance?

While home insurance isn’t legally required in the UK, it provides valuable protection and peace of mind in the event of unforeseen circumstances. It helps cover the costs of repairing or rebuilding your home, replacing stolen items, and repairing or replacing damaged possessions. In extreme cases, funding repairs after these events can be extremely pricey, so it’s a cover worth having.
Homeowners
As a homeowner, you’re responsible for putting in place home insurance to cover the building and its contents. While it’s not a legal requirement, your mortgage provider may insist that you have buildings insurance for your mortgage term.
Renters
Landlords are usually responsible for getting buildings cover for rented properties, however, it’s worth checking that they have this cover in place as it’s not a legal requirement. You may want to consider protecting your belongings with contents insurance, which a landlord is unlikely to have taken out if the property is let unfurnished.
Landlords
Landlords are responsible for insuring the property they own and rent out. If you’re renting out a furnished property and you want to protect your belongings against damage or theft as well as the building itself, you may want to consider both building and contents insurance. esure does not currently offer landlords insurance.
Students
Contents insurance for students aims to cover your belongings while they are kept in your student halls of residence. If your parents already have contents insurance with esure, you may already be covered as student contents insurance is included as a standard in our Home Insurance policy. You can find this out by checking your policy documents.
How much does home insurance cost?
The cost of your home insurance policy will depend on several things, such as the location, any past claims and the value of your home and its contents. We will assess the likelihood of you needing to make a claim when working out the cost of your home insurance.
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Boost your cover

Want  extra peace of mind? Boost your home insurance cover with these optional extras:

Family legal protection

Access to expert lawyers with up to £50,000 of legal costs cover for you and your family. Events covered include employment tribunals, damages for personal injury, jury cover and more.

Home emergency cover

We’ll arrange for a tradesperson to visit your house and carry out emergency repairs. Call-out charges, labour costs, parts and materials to a limit of £500 including VAT (subject to a £25 excess) are covered by esure.

Personal possessions cover

Get your things covered when you take them outside your home. This is useful for helping to protect your jewellery, phone and other valuable belongings you keep with you when you’re on the move.

Pest cover

We cover exterminations up to £150 for wasps, hornet nests, mice, rats and grey squirrels. Extermination cover is extended up to £200 for bedbugs. If you ever use your pest cover, your no claims discount won’t be affected.

What do I need to get a quote?

If you’d like us to quote you for esure Home Insurance or esure Flex Home Insurance, there are a few details we will need from you to determine the cost of your policy:

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1. Your postcode

This is so we can find the address of the property you’d like to insure.

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2. Personal Details

Including your name, age, occupation and contact details.

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3. Property details and the history of your home

Things like the type of property, roof type, number of bedrooms and year it was built, and whether your property’s ever been damaged by flood or subsidence.

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4. Total value of your home contents

This is the value of your belongings if you were to buy them brand new. If any items cost more than £1,499 to buy brand new, these are known as specified items and must be accepted by esure. Bikes have different limits too - check our policy booklets for more details.

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5. Details about your cover

This will include whether you’d like any Optional Extras, what level of voluntary excess you want, and which of our two products you’d prefer to buy if you’re quoted for both.

Frequently Asked Questions

To help estimate the rebuild value for your home, try using the rebuild calculator on  Building Cost Information Service. Remember the rebuilding cost is not the same as the market value. Our esure Home Insurance product offers unlimited rebuild costs as part of the standard cover, while esure Flex Home insurance offers up to £750,000.

Get in contact with us as soon as possible to make a claim on your home insurance.

Yes, your home contents insurance only covers your belongings inside the home, but you may want to purchase additional personal possessions cover to protect them outside of your home.

Yes, you can get home insurance during building works but you will need to inform us before taking out your policy. Your cover may be much more limited or even cancelled while the work is taking place if the renovations are especially substantial.

If you live in a flood-risk area, it can be more difficult to get home insurance. However, the government’s Flood Re Scheme is in place to ensure people in high flood-risk areas can get affordable home insurance cover for their homes.

If you've got any further questions about our multicar discount you can ask our Livechat team.

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