Home Insurance Calculator UK 2026
Instantly estimate your annual home insurance premium. Calculate combined buildings and contents cover based on property value, security features, and claims history.
Property & Coverage Details
Enter your property details to estimate your combined home insurance premium
Select the construction type of your home.
Used to estimate standard contents levels.
The cost to rebuild your home from scratch (not market value).
Total value of all possessions inside the home.
Better security can significantly reduce your premium.
Previous claims can affect your premium and no-claims discount.
The amount you pay towards a claim. Higher excess = lower premium.
Your Insurance Estimate
Estimated annual premium and coverage breakdown
Enter your property details above and click Calculate Premium to reveal your estimated home insurance cost.
Average UK Home Insurance Costs 2026
Quickly reference average annual premiums for combined buildings and contents insurance by property type in the UK.
| Property Type | Avg. Buildings Cover | Avg. Contents Cover | Est. Annual Premium |
|---|---|---|---|
| Flat / Apartment | £150,000 | £25,000 | £110 – £140 |
| Terraced House | £180,000 | £35,000 | £140 – £180 |
| Semi-Detached | £220,000 | £50,000 | £180 – £240 |
| Detached House | £350,000 | £75,000 | £260 – £350 |
| Bungalow | £200,000 | £40,000 | £190 – £250 |
Home Insurance UK FAQ
Everything you need to know about buildings and contents cover, rebuild costs, and how premiums are calculated in the UK.
Buildings insurance covers the structure of your home (walls, roof, permanent fixtures) against damage like fire or floods. Contents insurance covers your personal possessions (furniture, electronics, clothes) inside the home. You can buy them separately or as a combined policy.
You must insure your home for the ‘rebuild cost’ (the cost to completely reconstruct your home from scratch), not the market value (the price you would sell it for). The market value includes the land value and local property demand, which are irrelevant if you need to rebuild after a disaster. Insuring for the wrong amount can invalidate your claim.
The excess is the amount you agree to pay towards any claim. A ‘compulsory excess’ is set by the insurer, while a ‘voluntary excess’ is an amount you choose to add on top. Choosing a higher voluntary excess usually lowers your annual premium, but it means you pay more out-of-pocket if you need to make a claim.
Standard home insurance policies typically cover damage caused by ‘defined perils’ like fire, theft, or storm. Accidental damage (e.g., spilling paint on a carpet or drilling through a pipe) is usually an optional extra that costs more but provides broader protection for everyday mishaps.
There is no legal requirement to have home insurance in the UK. However, if you have a mortgage, your lender will almost certainly require you to have buildings insurance to protect their investment. Contents insurance is optional but highly recommended to protect your belongings.
A no-claims discount (NCD) or no-claims bonus rewards you for not making claims. For every year you don’t claim, you typically earn a percentage discount on your premium (e.g., 30% after 1 year, up to 80% after 5+ years). Some insurers offer ‘NCD protection’ for a small fee, allowing you to make a claim without losing your discount.