Home insurance

Insure your home, garden and all of the stuff that you love. Plus, if you're already a customer, get two months free

To qualify, enter code 2FREEW3
when you get a quote by 26th January 2019

In just a few minutes, protect your home with comprehensive buildings and contents insurance

Help keep your home and possessions protected against risks including theft and damage by fire, flooding and storms

For homeowners

Choose between combined Buildings and Contents Insurance, Buildings Insurance only or Contents Insurance only. We offer buildings cover up to £1 million and contents cover up to £75,000.

For renters

Help protect your possessions including furniture, electrical equipment and jewellery. We offer contents cover up to £75,000, with a £10,000 limit for single valuable items.

Already a Home Insurance customer? Log in to your account

Optional extras

Home Assistance

Cover for home emergency repairs up to £1,000

Accidental Damage

Protection against accidental mishaps at home

Personal Possessions

Protect your personal possessions when you're away from home

Legal Expenses Cover

Cover for you and your family for up to £50,000 of legal costs

What do our customers say about British Gas Home Insurance?

“Quick and easy to use, with a very competitive offer” – John

“I am already a British Gas customer and have always received
excellent value and service during my time with them” – Linda

Are you a Landlord?

Get two months’ FREE Landlord Insurance using offer code 2FREEB1

Frequently asked questions

What should I do if my circumstances change?

You must tell us as soon as possible about any of the following changes:

  • change of address;
  • structural alteration to your home;
  • if you or your family intend to let or sublet your home;
  • if your home is used for business purposes other than paperwork, computer work or childminding;
  • if you or your family intend to use your home for any reason other than private residential purposes, other than the business use outlined above;
  • if your home will be unoccupied;
  • if you or your family have been declared bankrupt or been subject to bankruptcy proceedings or have received a police caution for or been convicted of or charged with any offence other than driving offences;
  • if your property is no longer occupied solely by you or your family. It’s very simple to change your details online in your home insurance account. There’s no need to phone and you can make adjustments whenever you like.
Can I get immediate home insurance cover?

Yes, you can choose to start your policy straight away. Your policy documents are available online in your home insurance account as soon as you buy your policy.

Can I get a no claims discount on home insurance?

Yes, if you haven’t made a claim and you have previously held buildings and/ or contents insurance, a discount will be included in your quote

What is the difference between buildings and contents insurance?

Buildings insurance covers the structure of your home and its outbuildings, along with any permanent fixtures and fittings like kitchen units and bathrooms. If you have a mortgage, your lender will normally insist that you have buildings insurance – however, this doesn’t need to be taken out with your mortgage provider.

Contents insurance is optional but equally important. It covers your belongings inside your home like furniture, home entertainment equipment and personal items.

What do you mean by business use?

Business use is any kind of business you are running or carrying out at your home. As long as your business is ‘paperwork’/ clerical only (and you don’t have visitors coming into your home) or if you’re a childminder we can insure your home.

Can I insure a second home?

No, we can only insure the home where you live for most of the year.

  1. [1] This offer is exclusive to existing British Gas customers only who buy Home Insurance directly from British Gas; not via price comparison websites

    - Offer ends on 26th January 2019
    - If you pay monthly the last 2 months of your annual cover will be free. If you pay annually, you'll have the equivalent of 2 months deducted from your annual cover
    - Your discounted quote is valid for 60 days
    - British Gas reserve the right to withdraw this offer at any time
    - You must enter a promo code into your quote to be eligible for this offer

    British Gas Home Insurance is arranged and administered by British Gas and is underwritten by a carefully selected insurer. Your policy documents will show 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 & Wales (Registered No.03141243).

    Registered office: Millstream, Maidenhead Road, Berkshire SL4 5GD. britishgas.co.uk