Home Insurance
25% of Clubcard members paid £141 or less for Combined Buildings and Contents Home Insurance between July 2025 and September 2025.
Excludes add-ons. Based on policies sold. The amount you could pay depends on your circumstances.
Why choose Tesco Home Insurance?
Unlimited building cover as standard
On all our building cover products.
Flexible contents cover
Cover to meet your needs of up to £50,000, £75,000 or £100,000.
24/7 insurance account access
Manage your Home Insurance policy online.
Spend less on house insurance with your Clubcard
If you have a Clubcard, we’ll try to find it automatically when you get a quote. If we can’t, just enter it when prompted.
All of our Home Insurance policies offer:
- 4 Star Fairer Finance rating 4 Star Fairer Finance rating
- Online policy management Online policy management
- Optional extras (available at an extra cost) Optional extras (available at an extra cost)
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Contents Insurance |
Buildings Insurance |
Buildings and Contents Insurance |
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Flexible contents cover |
Up to £50,000, £75,000 or £100,000 |
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Up to £50,000, £75,000 or £100,000 |
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Home repair or rebuild cover |
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Unlimited buildings cover |
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Cover for built-in fixtures |
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Temporary accommodation |
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Accidental tech damage cover |
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Our Home Insurance options
Contents Insurance
Covers the things you own in the house, garage, shed and garden.
Suitable for renters and homeowners.
Buildings Insurance
Covers the house you own, the permanent fixtures inside it, and your garage and outbuildings.
Suitable for homeowners.
Combined Home Insurance
Covers your building and contents in a single policy, which can be cheaper.
Suitable for homeowners.
Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.
What’s not covered?
Although Home Insurance provides a range of covers for your home, there are some exceptions where you aren’t covered, these include:
- Loss or damage that occurred before the policy start dateLoss or damage that occurred before the policy start date
- Loss or damage caused by gradual wear and tear or lack of general maintenance to your homeLoss or damage caused by gradual wear and tear or lack of general maintenance to your home
- Storm or flood damage to gates, hedges or fencesStorm or flood damage to gates, hedges or fences
For more information on ‘what’s not covered’, see our policy booklet below.
What our specialists say
“Home insurance helps to protect your home and belongings in case the unexpected happens. But it also covers you in case someone gets injured on your property.
You don't need home insurance by law in the UK, but it's a good idea to have it. If you don't, and something goes wrong, it could be more expensive to replace things and make repairs.”
Alex Cross, Chief Customer Officer at Tesco Insurance
Recommended by Which?
We're a Which? Recommended Provider for Home Insurance. Highly rated for affordability. With 5 stars for customer service.
Home Insurance optional extras
Add optional extras to your Tesco Home Insurance policy. And get more cover to help with the unexpected.
Home Emergency Cover
Choose Essentials or Full Cover. Get 24/7 support and cover for a range of emergency repairs. From plumbing to electrical and security, and more.
Home Emergency cover is underwritten by Inter Partner Assistance S.A.
Family Legal Guard
Provides up to £100,000 in legal expenses. To help you or your family with personal injury claims, contract and employment disputes, and more.
Family Legal Guard is underwritten by AmTrust Specialty Limited.
What customers are saying
Tesco Home Insurance customer, Trustpilot, July 2025.
"It was very easy to apply for my home insurance, it was within my budget, and I’m very satisfied with the cover."
Tesco Home Insurance customer, Trustpilot, July 2025.
"Straightforward claim process. No hassle whatsoever following water leak. Kitchen flooring ruined. Speedy assessment. Funds in days."
4-star rated by Fairer Finance
Fairer Finance carry out research on financial products to help people make more informed decisions and get a better deal. Tesco Home Insurance has a 4-star rating.
Why do you need home insurance?
Home insurance helps to protect your home and its contents in case something happens to them. Like theft, fire and flood, and accidental damage.
If you don't have the right cover, it could be more expensive to replace or repair things if something goes wrong.
Mortgage lenders will probably want you to have buildings insurance when you buy a home. And if you rent, contents insurance can help to protect the things that matter to you.
What does home insurance cover?
Home insurance usually covers loss or damage caused by:
- Storms and floodsStorms and floods
- Fire and smokeFire and smoke
- Escape of waterEscape of water
- Accidental damageAccidental damage
- Theft or vandalismTheft or vandalism
With Tesco Home Insurance, you can choose from 3 options to get the cover that’s right for you.
- Building InsuranceBuilding Insurance
- Content InsuranceContent Insurance
- Building and Content InsuranceBuilding and Content Insurance
To see exactly what we cover, it’s best to check the policy booklet.
We’ve also got a handy guide: What’s not covered by your home insurance?
What affects the cost of home insurance?
For buildings and contents insurance, your premium will be affected by:
- information about the building you live ininformation about the building you live in
- information about youinformation about you
- how secure your property ishow secure your property is
With Tesco Home Insurance, you’ll get a discount with your Clubcard.
Here’s what can affect your premium in a bit more detail.
Your building
- ValueValue
- SizeSize
- When it was builtWhen it was built
- Type - for example, detached, semi-detached, flatType - for example, detached, semi-detached, flat
- LocationLocation
- Rebuilding costRebuilding cost
You
- Claims historyClaims history
- Credit scoreCredit score
- Your jobYour job
The security of your property
- AlarmsAlarms
- LocksLocks
- CCTVCCTV
How do I get a Home Insurance quote?
You can get a Home Insurance quote easily online. Your quote will be valid for up to 30 days or your chosen start date.
If you need to, you can also give us a call.
What we’ll ask you
We’ll need to know the following when you ask for a quote:
- Your name and date of birthYour name and date of birth
- Your address - for the property you want to insureYour address - for the property you want to insure
- When your home was built and how long you’ve lived thereWhen your home was built and how long you’ve lived there
- The type of building it isThe type of building it is
- The policy you want a quote for, including any optional extrasThe policy you want a quote for, including any optional extras
Help for existing Home Insurance customers
Need to check your policy documents or need to make a claim?
Your Insurance Account
If you’re looking to check or change your policy details or view any of your documents you can do this online with Your Insurance Account. Sign in below or find out more
Home Insurance FAQs
We're sorry to hear you're considering cancelling your Home Insurance policy.
To cancel your policy, you will need to call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. Fees will be charged to cancel your policy as per our terms and conditions which can be found in your policy booklet.
You can opt out of automatic renewal at any time. Just sign in to Your Insurance Account or by calling us.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
How do I get a Home Insurance quote?
You can easily obtain a home insurance quote online by clicking the 'Get a Quote' button and filling in your details or by giving us a call on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. All quotes will be valid for up to 30 days or your chosen start date.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
Can I retrieve my house insurance quote online?
Yes, you can retrieve your house insurance quote by clicking the 'Retrieve a quote' button and entering your reference number.
Tesco Home Insurance covers mobile phones and tablets for theft within the home. We cover tablets for accidental damage under home entertainment equipment cover. However, mobiles are not covered by this policy. You must add personal possessions cover if you want accidental damage cover for your mobile at home.
Policies that start with TI - £600 (subject to excesses)
Policies that start with QH - £1,500 (subject to excesses)
What’s not covered
- Mechanical or electrical faults or breakdowns.
- The total excess shown in your schedule for every claim.
- Any amount above the maximum claim limit shown on your schedule.
Full terms and conditions can be found in your policy booklet.
You can check if you have or add personal possessions to your policy by signing into Your Insurance Account or by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
You can renew your policy by signing in to Your Insurance Account and follow these steps:
After signing in, select the policy and click ‘View renewal’. Check the information is up to date (any errors could leave you without cover and could also affect how much you pay). We’ll then ask if you're happy to renew automatically or want to change your payment details (if you pay in full, we'll take your payment immediately). Confirm your payment details. If your policy is set to renew automatically, you don't need to do anything unless your circumstances have changed or you want to change your policy.
If you pay by Direct Debit, your new payments will start automatically. If you pay annually, we'll automatically take the new payment from the same card you used last year.
If you’re currently paying annually, and would like to switch to Direct Debit, please call our renewal team on the number below who will discuss your options.
If your policy is not set to renew automatically and you wish to renew, you must contact us before your renewal date to ensure we can guarantee the price we have sent you. You can also find details on how to renew your quote in your invite email.
If your policy is set to automatically renew but you don't want to go ahead, you can make a change by signing in to Your Insurance Account or calling us on 0345 246 2904* Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
Helpful information about home insurance
What is buildings and contents insurance?
Buildings and contents insurance, often referred to as ‘home insurance’, is a combined insurance that covers both your building and its contents in one.
What is buildings insurance?
Buildings insurance covers the cost of repairing damage to the walls, windows and roof of your home, along with some fixtures and fittings. Buildings insurance generally covers the cost of rebuilding your property.
What is contents insurance?
Contents insurance covers the cost of replacing your home contents if they’re damaged or stolen. Your ‘home contents’ are any belongings that you’d take with you if you moved house.
What’s not covered?
Although Home Insurance provides a range of covers for your home, there are some exceptions where you aren’t covered, these include:
- Loss or damage that occurred before the policy start date.Loss or damage that occurred before the policy start date.
- Loss or damage caused by gradual wear and tear or lack of general maintenance to your home.Loss or damage caused by gradual wear and tear or lack of general maintenance to your home.
- Storm or flood damage to gates, hedges or fences.Storm or flood damage to gates, hedges or fences.
For more information on ‘what’s not covered’, see our policy booklets below.
Important information
Tesco Home Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.
Home Emergency cover is underwritten by Inter Partner Assistance S.A.
Family Legal Guard is underwritten by AmTrust Specialty Limited.
Before you buy your Tesco Home Insurance online, please read the policy documents to ensure that the policy you select meets your needs. The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.
For Home Insurance policies starting on or after 29 September 2025:
For Home Insurance policies starting on or before 28 September 2025:
Contact us - we're here to help
Have a question or need help applying? Our friendly, UK-based customer service team is here to help.