Peace of mind with esure Home Insurance

Protect your property with our trusted Home Insurance. If you’re looking for buildings insurance, contents insurance, or both, we’ve got you covered.

Home insurance

With two options to choose from (esure Flex Home Insurance and esure Home Insurance), you can find the cover that best fits your budget and needs.

Choice of 3 or 5 Star Defaqto rated cover
24/7 access to your policy in your Account
24/7 access to your policy in your Account

Customer Support

Existing customers

Log in to your Account online, or use the esure App to manage your policy - you can change your details, make a claim, renew, and more.

What is home insurance?

Combined home insurance protects your house and its contents. It can help pay for repairs or rebuilding if your house is damaged by events that are out of your control, like fire, storms or floods. It also covers the cost of replacing stolen items or fixing damaged ones.

There are two types of home insurance that make up combined cover:

Buildings Insurance

Covers the actual structure of your home, including things like walls and windows.

Contents Insurance

Provides cover for any items in your house that aren’t part of the structure or fitted in your home - things like furniture, TVs and home office equipment.

These cover options can be bought individually or together, depending on your needs.

Choose the product that meets your needs

To help get the cover that’s right for you, we have two Home Insurance products you can choose from - esure Flex Home Insurance and esure Home Insurance. Take a look at how the two compare:


Defaqto rating
Buildings cover	Up to £750,000	Unlimited
Contents cover	Up to £75,000	Specified by policyholder
Fridge and freezer contents	Up to £500	Up to £1,000
Liability cover	Up to £1 million	Up to £2 million
Specified items cover away from the home	Only if you request it	On all items as standard
Escape of water
Storm and flood
Theft and attempted theft
Alternative accommodation

Family Legal Protection

Access to expert lawyers with up to £50,000 of legal costs cover for you and family. Events covered include employment tribunals, damages for personal injury, jury cover, and more. If you ever use Family Legal Protection your No Claim Discount won’t be affected.

Home Emergency Cover

Get in touch with us and we'll arrange for a tradesman to visit your home and carry out emergency repairs. Call-out charge, labour cost, parts and materials to a limit of £500 including VAT (subject to a £25 excess) are covered by esure. If you do need to make a call out, your No Claim Discount won’t be affected.

Personal Possessions Cover

Pest Cover

No one wants to have to deal with an infestation and if you buy our pest cover you won’t have to. We cover exterminations up to £150 for wasps, hornet nests, mice, rats, and squirrels. Extermination cover is extended up to £200 for bedbugs. If you ever use your pest cover, your No Claim Discount won’t be affected.

Boost your cover

If you’re looking to boost your cover, here are some of our optional extras you can add to your policy:

Motor legal protection

Motor legal protection

If you’re involved in an accident that was partly or completely the fault of the other driver we can pay up to £100,000 (including VAT) towards legal costs to help you recover your expenses.

Breakdown cover

Breakdown Cover

Our wide range of Breakdown Cover options are offered with our partner the RAC.

Car hire benefit

Car hire benefit

If your car is stolen and not recovered, or we agree it’s a total loss, you’ll get a similar-sized hire car for up to 21 days while your claim is being processed.

Personal injury cover

Personal injury cover

In the event of death or serious injury to you or any named driver, we’ll cover medical expenses and pay up to £100,000 if you’re at fault, or up to £30,000 if not.

This isn't available to add to esure Flex car insurance policies.

Key Cover

Key Cover

If your keys are lost, stolen or damaged, you can call our partner, the RAC, who’ll help you retrieve, repair or replace them.

This isn't available to add to esure Flex Car Insurance policies.

What do I need to get a quote?

If you’d like us to quote you for esure Home Insurance or esure Flex Home Insurance, there are a few details we will need from you to determine the cost of your policy:

Customer Support

1. Your postcode

This is so we can find the address of the property you’d like to insure..

Customer Support

2. Personal Details

Including your name, age, occupation and contact details.

Customer Support

3. Property details and the history of your home

Things like the type of property, roof type, number of bedrooms and year it was built, and whether your property’s ever been damaged by flood or subsidence.

Customer Support

4. Total value of your home contents

This is the value of your belongings if you were to buy them brand new. If any items cost more than £1,499 to buy brand new, these are known as specified items and must be accepted by esure. Bikes have different limits too - check our policy booklets for more details.

Customer Support

5. Details about your cover

This will include whether you’d like any Optional Extras, what level of voluntary excess you want, and which of our two products you’d prefer to buy if you’re quoted for both.

Frequently Asked Questions

Generally, your landlord will have buildings insurance for the structure of your home, but it's always best to check with them to be sure. You may still want to have contents cover for your personal belongings. You may also want to look into getting Tenants’ Insurance, which we more commonly call, Contents Insurance.

Unfortunately not. Neither our Buildings Insurance nor Contents Insurance covers it as it’s considered normal wear and tear on your home.

If a tree falls and damages your home or its contents, esure Home Insurance is designed to pay for any loss or damage caused. Saying that, if your home or contents are not damaged we won’t cover; the cost of removing a fallen tree or; any other damage caused.

Your boiler isn't covered by your home insurance. If you have purchased our optional extra Home Emergency cover, then there may be some cover in place. If your boiler is your main source of heating and suddenly fails for reasons other than wear and tear, we'll pay up to £500 to send someone to your home to try and fix it. If you have this cover it will be detailed on your latest schedule.

Yes, they’re covered by our Buildings Insurance. If the structure of your home is damaged due to water escaping from your home’s water tanks, pipes, equipment or fixed heating systems, esure will cover the cost of finding the source of the leak and repairing what’s damaged as long as it's not classed as wear and tear.

We only cover items that are kept in your home. If you’d like to protect them while you’re out and about, adding our Personal Possessions cover may be something you wish to consider.

Yes, if they’re a university student their belongings can be covered by our Contents Insurance if they are in university accommodation.

The answer’s yes if you’re going on a short holiday. However, if you plan on leaving your home unoccupied for 30 consecutive days, this will void a number of elements of your cover (take a look at our Policy Booklet for more details).

High risk items include things like watches, jewellery, mobile phones, paintings, articles of silver, gold or other precious metals, collections of stamps, coins or medals, personal computer equipment and furs, that cost over £1,500.

Yes, as long as it stays at your home it’s covered by our Contents Insurance. Please note, if your bicycle and accessories are worth over a certain amount as new you’ll have to name them as specified items in your policy - for esure Flex Home Insurance this is over £350, for esure Home Insurance this is over £500. If you have a bicycle under these values and you want it covered away from the home, you should add our Personal Belongings cover.

We do cover mobile phones. Cover away from the home can be provided under the personal possession section of the policy, if you have chosen to add this. Your cover will be shown on your latest schedule, and this cover is subject to our normal policy limits and terms and conditions.

This is any damage that happens to your home or its contents that’s the direct result of a single, unexpected and unintended event (one not resulting from any of the other causes detailed in our Policy Booklet). Full Accidental Damage isn’t covered by esure Home Insurance or esure Flex Home Insurance as standard, but it can be added to your policy separately.

This depends on a number of factors – like the location, whether you or anyone else at the address has made claims in the past, plus the value of your home and its contents. Insurers look at all kinds of things when considering how risky it is to insure you and the cost of the home insurance.

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