Home Insurance

GET A QUOTE

Home Insurance
Find the right cover to suit you.

Q: When should I get house insurance?

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

Q: What can invalidate home insurance?

Small things can invalidate your insurance, such as forgetting to lock your door and set your burglar alarm. Additionally, your home insurance can be invalid if you do not declare home renovations to your insurer or if your house is unoccupied.

Q: What is home emergency cover on home insurance?

Depending on your policy, home emergency cover provides protection for sudden and unexpected emergencies that may occur in your home, such as burst pipes, gas leaks, roof damage and pest infestations.

Keep Your Belongings Safe With Contents Cover.
Protect Your Investment With Building Cover.
UK-Based Team.

Call Today for Our Best Price

GET INSURED IN THREE EASY STEPS

How it Works

Get in touch.
Click below or call us for a free quote.
Talk to our team.
We'll guide you through policies and prices.
Get insured today.
Pick a policy, and we'll sort everything.

Have a look

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.

Image Featured Content Secondary Home Insurance

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:

Damage resulting from fire, smoke, explosion, lightning, flooding, or earthquake.
Building cover if there is subsidence and landslip danger.
Structural damage caused by the authorities and public services when gaining access in an emergency.
Buildings and contents damage from falling trees and branches.
Alternative accommodation if an emergency makes your home uninhabitable.

What's not included:

Damages, wear and tear from lack of maintenance, gradual degradation, dampness, rot and vermin.
Existing damage from before the cover started.
Acts of deliberate damage or vandalism by the homeowner or resident.
Loss or damage caused by tobacco burns and any heat distortion that is not caused by a fire.
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.

Why Choose Us?

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

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.
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.*
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.
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.

*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 £3.32** per month

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

Get cover to suit you at the best price

**The home insurance premium shown is based on our lowest available price, £42.20 paid in eleven monthly instalments of £3.32, totaling £48.52. This includes a £12.00 deposit and interest charged at a 21% APR. The price is based on the most affordable policy we sold in 2025 under ideal risk conditions, and may not reflect the quote you receive based on your individual circumstances.

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.

Call Us

Latest News

The UK Cities Where Drivers Pay the Most for Car Repairs

Blog

4, June
3 mins

The UK Cities Where Drivers Pay the Most for Car Repairs

Does your town or city have the highest car repair bills? Let's find out the average prices of common repairs and servi...

What the Spring Statement 2026 Means for Your Insurance.

Blog

21, April
5 mins

What the Spring Statement 2026 Means for Your Insurance.

Here, we break down what the latest budget update means for drivers, motor traders and homeowners.

What Are The New Eye Test Rules For Drivers Over 70?

Blog

8, April
4 mins

What Are The New Eye Test Rules For Drivers Over 70?

If you are a mature driver, you have probably noticed more headlines about older motorists, eyesight, and licence renewa...

Author Sharna Ridge

Last Updated March 20, 2026

This article has been reviewed and updated to ensure accuracy and compliance with current insurance regulations.
One Sure Insurance is committed to providing reliable, up-to-date information to help you make informed decisions about your home insurance coverage.

Affordable Protection, Tailored for You

Building long-lasting relationships based on trust and exceptional service.

Home Insurance
Find the right cover to suit you.

How it Works