# How do I compare home insurance in the UK?

> Quick answer · Last updated 4 July 2026

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## In short

Match rebuild cost for buildings, contents sum insured, excess, accidental damage and flood cover across quotes. Use the same assumptions on comparison sites — cheapest premium with wrong sums insured can leave you underinsured.

Rebuild cost is not market value. Walk room by room for contents totals.

Check single-item limits for bikes and jewellery.

See our compare home insurance guide and buildings vs contents explainer.

## Related

- [Compare home insurance guide](https://moneyguide.org.uk/insurance/compare-home-insurance-guide/)
- [Buildings vs contents](https://moneyguide.org.uk/insurance/buildings-vs-contents-insurance-explained/)

## Primary source

abi.org.uk/products-and-issues/choosing-the-right-insurance/home-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.