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Home insurance explained. What is home insurance?

Also known as homeowner insurance, home insurance protects your property and belongings if something happens.

It does this by covering the costs of repairing things in your home when something goes wrong, like a break-in or water leak. It can also cover the cost of replacing damaged or stolen possessions.

Recommended by experts. Our Five Star insurance rating

We've been taking care of Britain's homes for over 200 years, so we know what it takes to look after your property and possessions.

But don't take our word for it. Our home insurance has been given a Five Star rating by Moneyfacts, a group of independent financial experts.

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Find the right cover for you. What type of home insurance do you need?

  • Our Buildings Insurance lets you cover the costs of repairing or rebuilding your property if it's damaged by things like fire.
  • Our Contents Insurance covers the costs of replacing things in your home, like jewellery, TVs and laptops, if they're damaged or stolen.
  • Our combined Buildings & Contents Insurance protects your home and the things in it.
  • Our high value home insurance provides bespoke cover to protect unique homes and high value possessions.
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What we cover. Buildings Insurance

  • Up to £1,000,000 buildings cover
  • Accidental breakage of fixed glass in windows, fixed ceramic hobs, fixed sanitary ware and bathroom fittings up to £1,000,000
  • Up to £200,000 for alternative accommodation
  • Up to £5,000 to find and repair a water leak ('trace and access')
  • Up to £1,000 for replacements locks
Buildings Insurance - Product Information

What we cover. Contents Insurance

  • New for old replacements
  • Up to £80,000 contents insurance
  • Valuables worth up to £10,000 each in the home
  • Up to £15,000 for alternative accommodation
  • Contents in the garden up to £1,000
Contents Insurance - Product Information

Home Assistance

Need an urgent home repair? We can cover the costs of emergency repairs and call-outs up to £1,000. Need more details?

Home Assistance - Insurance Product Information

Personal Possessions

Cover possessions such as bicycles, watches and rings when you're away from home and out and about.

Home insurance - Terms & Conditions

Legal Expenses Cover

Cover legal costs and fees up to £50,000, including personal injury cases and employment disputes. Need more details?

Legal Expenses - Insurance Product Information

Key Cover

Covers the cost of up to £1,500 towards replacing locks and keys in the event of loss or theft.

Key Cover - Insurance Product Information

High value home insurance. Cover to protect unique homes and high value possessions  1

Bespoke cover to protect unique homes and high value possessions from the people who've been taking care of Britain's homes for over 200 years.

More about high value home insurance

Are you a landlord?

We provide insurance for landlords to cover up to ten rented properties and your things in it.

See our Landlord Insurance

Important Information about our insurance services

Explains how we earn commission for selling insurance products

View Important information

Home Insurance - Terms and Conditions

Provides detailed information into what's covered and what's not by your Home Insurance policy.

View Terms & Conditions

Everything you need to know. Read our home insurance guides

Additional information

  1. British Gas Home Insurance is sold, arranged and administered by British Gas and is underwritten by a carefully selected insurer. Your policy documents will show you who your insurer is. British Gas is a trading name of British Gas Services Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales (No. 03141243). Registered office: Millstream, Maidenhead Road, Windsor, Berkshire SL4 5GD.