Combined Buildings and Contents Insurance
Get home and contents cover in a single policy. Save with your Clubcard.
Tesco Home Insurance is recommended by Which?
Why choose Tesco Home Insurance?
Unlimited buildings cover
And up to £50,000, £75,000 or £100,000 contents cover. Both as standard.
Manage your policy online
Available 24/7 with Your Insurance Account.
Spend less on home and contents insurance with your Clubcard
If you have a Clubcard, we'll try to find it automatically when you get a home and contents insurance quote. If we can't, just enter it when prompted.
Get peace of mind with our Combined Buildings and Contents Insurance
Contents insurance
It's not just stuff, it's what makes a house a home. Make sure your home contents are covered if something goes wrong.
- Alternative accommodation in the UK up to £15,000 if your home isn't safe to live in
- Accidental damage on home entertainment equipment as standard
- Garden contents - up to £1,500 cover on garden items such as barbecues and lawnmowers
- Cover for legal downloads and more, up to £2,000
- If your freezer fails, we will cover the cost of replacing your food up to £1,000
Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents.
Buildings insurance
As a homeowner, the biggest asset you have is probably your home. So it's important your home is covered in case the worst happens.
- One year guarantee on home repairs carried out by insurer-appointed builders
- Permanent fixtures in your home such as your built-in kitchen, wardrobes, showers and baths are also covered
- Burst pipes and blocked sewer pipes - we will cover repairs up to £5,000
- Replacement locks if your house keys are lost or stolen
- Alternative accommodation in the UK up to £50,000 if your home isn't safe to live in
Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents.
Need a little more from your Tesco Home Insurance?
Just choose the optional extras that are right for you and only pay for the additional cover you need.
- Extended accidental damage cover is extra protection from unexpected accidents in your home
- Contents cover away from home, for items that you wear or carry
- Protect your bicycles while you're away from home in addition to your contents
- Home Emergency cover - 24-hour cover for a range of emergency situations
- Family Legal Guard - legal expense insurance and access to a legal helpline
Home Emergency cover is underwritten by Inter Partner Assistance S.A. Family Legal Guard is underwritten by AmTrust Specialty Limited.
Monetary levels, excesses and exclusions apply. For full details of cover and exclusions please read the policy documents.
Your Insurance Account
- No admin fees for changes made to your policy in Your Insurance Account
- View, print and download all your home insurance policy documents at any time
- Update your personal details whenever you want, including your address, email address and phone number
- Send us your documents electronically and securely
- Tell us if you are moving home
What’s not covered by Tesco Combined Insurance
Here are the most common things that aren’t covered by Tesco Buildings and Contents Insurance:
- Loss or damage that happened before the policy start date.Loss or damage that happened before the policy start date.
- Faulty construction or poor workmanship.Faulty construction or poor workmanship.
- Wear and tear or poor maintenance.Wear and tear or poor maintenance.
- Leaving your home unoccupied for more than 60 days.Leaving your home unoccupied for more than 60 days.
- Damage caused during renovations.Damage caused during renovations.
- Damage caused by bad weather we don’t define as a storm.Damage caused by bad weather we don’t define as a storm.
- Storm or flood damage to gates, hedges or fences.Storm or flood damage to gates, hedges or fences.
For full details of our Buildings and Contents cover, please see the policy booklets.
Looking for ways to protect your home and avoid common claims? You’ll find practical tips and information in our handy home insurance guides.
Need more information?
Find out more about our buildings or contents home insurance cover
Choose the cover you need for your home
Contents only
It's not just stuff, it's what makes a house a home. Make sure your home contents are covered if something goes wrong.
Buildings only
As a homeowner, the biggest asset you own is probably your home. So it's important your home is covered in case the worst happens.
What customers are saying
Tesco Home Insurance customer, Trustpilot, March 2026.
Efficient & professional
"Put a claim in on my home insurance and it was dealt with so efficiently and professionally. Thank you"
Tesco Home Insurance customer, Trustpilot, March 2026.
Insurance at its best
"Good, courteous, efficient, knowledgeable service. Excellent value for money."
Fairer Finance 4 Star rated
Fairer Finance is an independent researcher of financial products, focused on providing intelligence to support better decision making. Tesco Home Insurance has a Fairer Finance 4 Star Rating in the UK which means it has a comprehensive level of features and benefits.
Help for existing policyholders
Need to check your policy documents or need to make a claim?
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:
Home Insurance Policy Booklet (1258KB, pdf)
Home Emergency Cover Policy Booklet (269KB, pdf)
Family Legal Guard Policy Booklet (220KB, pdf)
For Home Insurance policies starting on or before 28 September 2025:
Data may be obtained from and shared with the wider Tesco Group, credit reference agencies and fraud prevention agencies on an ongoing basis. Information on how your data is collected and how your personal data is used (including profiling and automated decisions) and your rights under the data protection laws are available to read in our privacy notice.
How we collect and use your personal data
Tesco Personal Finance Ltd and the insurer who may underwrite your policy take the security of your data seriously. Detailed information on how we handle your data and your rights under data protection laws is available in our privacy notice.
We collect data when you browse our website (e.g. your IP address), request a quotation, partially complete a quotation and do not purchase; or provide data indirectly via price comparison sites. We keep quote data for up to 7 years and we may use this information if you apply for a product again in the future.
We will use your data to give you quotes, provide our services to you, perform eligibility checks, work out financial and insurance risk, manage debt, protect you and us against fraud and financial crime and manage and develop our business. Automated decisions may be taken to detect crime and for credit scoring.
We use data such as your name and address, to find any Clubcard(s) that are linked to your address. That might be your Clubcard, the Clubcard of other family member(s), or the Clubcard of house or flat mates. We may use this information to tailor our communications and to try to bring you better terms, deals or offers, and this may include profiling on an on-going basis. We may also award Clubcard points.
Data may be obtained from and shared with the wider Tesco Group, credit reference agencies (CRAs) and fraud prevention agencies (FPAs). The FPAs will potentially use it to prevent fraud and money-laundering, verify your identity and establish your right to UK Residency. Depending on the outcome, this could result in the refusal of certain services, finance or employment. We will supply your personal information to CRAs and they will give us information about you on an ongoing basis.
By proceeding with your application you acknowledge we can use your data in this way.
Please see our privacy notice if you would like to know more.
For cancellation rights and the refunds that apply or for any charges which may apply should you need to make changes or cancel your policy, please view the link below and the cancellation section of your policy booklet.
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.
We will send you details of your insurance renewal invitation approximately 21 days before your policy comes to an end. This will contain details of your renewal price, any changes to the terms and conditions and whether you need to contact us to complete your renewal.
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.
For more information visit our help for existing customers.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
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.