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Home Insurance
Find the right cover to suit you.

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    Keep Your Belongings Safe With Contents Cover.

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    Protect Your Investment With Building Cover.

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    UK-Based Team.

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    Click below or call us for a free quote.

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    We'll guide you through policies and prices.

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    Pick a policy, and we'll sort everything.
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Overview

Your home is an investment that is worth protecting. After spending so much time and money on your home sweet home, taking care of your investment is your top priority. With all the stress of moving to handle, you can relax when it comes to insuring your home.

At One Sure, we’ll guide you through every step to insuring your home, whether it’s for your own home or insurance coverage for a buy-to-let property. With our insurance experts on hand, we’ll take care of comparing policies and searching for quotes for you.

What does home insurance cover?

Home insurance coverage will vary from insurer to insurer. However, the most common types of cover available include:

  • Building cover, which pays for the cost of repairing or rebuilding your home if it is damaged by certain events, such as fire, flood, or storm. This can include the structure of your home, as well as any permanent fixtures. Some insurers even offer home insurance cover for subsidence.
  • Contents cover, which allows you to repair or replace your personal belongings as a result of damage or theft. If your contents’ value exceeds standard cover, you’ll need specialist high net worth insurance.
  • Personal possessions cover, which can help protect your belongings if they are lost, stolen, or damaged.
  • Legal expenses, which covers the costs associated with legal disputes that may arise as a result of owning your home, such as a boundary dispute.

Do you need home insurance when renting?

Normally for private tenants, home insurance for the building itself is your landlord’s responsibility to organise.

However, this usually does not cover your own personal possessions inside your property. Contents insurance can be purchased as a stand-alone policy to protect your own furniture, electronics, and clothing in the event of a fire, theft, or accidental damage in your rented home.

I’m buying a house, when should I get house insurance?

Ideally, your home insurance policy should start on the day you legally take ownership of the property, which is usually the day of completion.

We always recommend that people contact us for a quote and to talk over home insurance options at least a few weeks before this date.

 To get the ball rolling and find out more about home insurance policies for your new house, call us on 0800 107 0947 and get a free quote today.

What can invalidate home insurance?

There are many little-known things that can invalidate your house insurance. These can range from being as simple as forgetting to lock your door and set your burglar alarm, or not declaring renovation to your insurer and leaving your house unoccupied for a month or longer. However, if your home will be vacant for over 90 days then you can still get covered with unoccupied home insurance.

Even before you’ve taken out a policy, you can invalidate your insurance simply by not providing accurate and necessary information during the application process. Don’t worry, we’ll make sure to ask the right questions for you to give all the information you need to get your house insured.

Optional Extras

  • Home Emergency Insurance

    Find Out More

  • Home Legal Insurance

    Find Out More

Cover Options

Our insurers can cover you for:
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    Damage resulting from fire, smoke, explosion, lightning, flooding, or earthquake.

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    Building cover if there is subsidence and landslip danger.

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    Structural damage caused by the authorities and public services when gaining access in an emergency.

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    Buildings and contents damage from falling trees and branches.

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    Alternative accommodation if an emergency makes your home uninhabitable.

What's not included:
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    Damages, wear and tear from lack of maintenance, gradual degradation, dampness, rot and vermin.

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    Existing damage from before the cover started.

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    Acts of deliberate damage or vandalism by the homeowner or resident.

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    Loss or damage caused by tobacco burns and any heat distortion that is not caused by a fire.

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    Loss or damage when your home is unoccupied for a lengthy period of time - generally 30 or 60 consecutive days - depending on your policy.

The above is not a comprehensive list of all the coverage available on the same policy. It is a guide to what may be covered, depending on your policy, insurer, and circumstances.
 
Our team is trained and authorised to provide advisory services to help ensure a policy meets your requirements. We will take the time to understand your specific needs and thoroughly explain the coverage available via your policy and insurer – including any applicable limits and exclusions.

You may be interested in...

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High Net Worth Home Insurance

Protect your investments with high-value cover.

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Unoccupied Home Insurance

Insurance for when your property is vacant.

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Subsidence Home Insurance

Insuring your home with subsidence is possible with us.

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Buy To Let Insurance

Landlords insurance that will protect your investment property.

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Get Insured to Ensure Peace of Mind.

Find Quality Cover at an Affordable Price.

Why Choose Us?

Here are just some of the reasons why you should get a quote with us.

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    Hassle-Free Renewals

    Renewals are always simple with us. We’ll compare the policies you need and find the most up-to-date offers to get you the best quote on the market.

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    Policies at Affordable Prices

    Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*

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    Trusted Panel of Underwriters

    As one of the UK's leading insurance brokers, we specialise in home insurance policies and will find you the coverage you need.

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    Changes to Your Policy

    If you need to change your home insurance policy, our friendly team is only a phone call away and happy to help.

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*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.

How much does home insurance cost?

Prices start from £38.99** per year

Get your quotes in just a few minutes – prices are guaranteed for 30 days.

Get cover to suit you at the best price

**This price reflects the cheapest policy we have sold during 2024, based on ideal risk circumstances, and may not be representative of the price you'll be quoted for your insurance policy and/or risk level.

Frequently Asked Questions

Is it compulsory to have home insurance?

Home insurance is not legally required, but it is highly recommended for property owners like you, in order to protect your investment. Many mortgage lenders require borrowers to have building insurance as a condition of their loan to protect the lender’s investment in the property.

What is home emergency cover on home insurance?

Home emergency cover provides protection for sudden and unexpected emergencies that may occur in your home.

This cover includes issues such as:

  • Burst pipes or leaking water tanks
  • Gas leaks or failure of the central heating system
  • Blocked drains or toilets
  • Electrical failure or breakdown of the main power supply
  • Roof damage or broken windows
  • Pest infestations such as wasps or rodents
  • Lost keys or broken locks

With our expertise and experience, we’ll guide you through every step towards finding the right coverage for your home. Call our friendly team on 0800 107 0947 for a chat and to get a free property insurance quote today.

Insure Your Home Today

Get quality cover today at an affordable price in just minutes. We'll take care of everything from comparing quotes to contents and buildings cover.