Do I need both buildings and contents insurance?

If you're a homeowner, you need buildings insurance (often required by your mortgage lender). Contents insurance covers your belongings. Combined policies are usually cheaper than buying separately.

What does home insurance not cover?

Standard policies typically exclude wear and tear, gradual damage, pest infestations, and deliberate damage. Flood cover may need specialist add-ons in high-risk areas.

How much home insurance do I need?

Buildings insurance should cover the rebuild cost (not market value) of your home. Contents insurance should cover the total replacement cost of all your belongings.

Insurance All Categories

🏠 5 Providers · Instant Comparison

Compare Home Insurance

Tell Sento about your property and we'll recommend the best insurer for your needs.

50+

Providers compared

£150+

Avg. savings

Cover types

🏠 Aviva📞 Direct Line🎁 John Lewis💚 LV=🍋 Lemonade

Visit Provider — Get Your Quote

Aviva

★

Excellent combined buildings & contents with optional extras.

Best OverallVisit Aviva →

Direct Line

Best claims service — guaranteed repairs and no comparison site quotes.

Best ClaimsVisit Direct Line →

John Lewis

5-star Defaqto rated with unlimited contents cover.

Premium ChoiceVisit John Lewis →

LV=

Flexible and affordable cover with no claims discount.

Best ValueVisit LV= →

Lemonade

AI-powered 3-minute claims. App-first, perfect for renters.

Most InnovativeVisit Lemonade →

Sento is an independent comparison service. We may receive a commission if you take out a policy via our links. This does not affect our editorial independence. Always read the policy documents before purchasing insurance.

Browse All 90+ Categories

Ready to Lock In Your Savings?

Join thousands of savvy users. Get early access to new categories and exclusive deals.

No spam, ever. Unsubscribe anytime.

Search All Categories