How to save on your home insurance
Get our top tips for cheaper home cover. And save money with Tesco Home Insurance.
Published: 12 June 2026
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Finding the right cover at the right price
Looking for cheap home insurance? Or wondering how to get cheaper home insurance without cutting corners? You’re not alone. With the cost of living going up, it’s important to get the right cover at a price that works for you.
Here, we share simple ways to help you save on your home insurance - without compromising on your cover.
We also explain how you can save money with Tesco Home Insurance.
How can I get cheaper home insurance?
It might seem obvious, but it’ll help you to get the cheapest house insurance if you:
- choose the right coverchoose the right cover
- provide accurate informationprovide accurate information
- review your policy regularlyreview your policy regularly
That’s because you'll only be paying for what you need.
The lowest price isn’t always the best value. The key is finding the right balance between cost and cover so you’re not paying too much. Or risking gaps in your protection.
With Tesco Home Insurance, it’s easy to choose the cover that meets your needs. And you can save money with your Clubcard.
Tesco Home Insurance policies
We offer the following cover for your home and contents:
- Buildings Insurance. This covers the main structure of your home and anything that’s built in - like your fitted kitchen. It’s the stuff that stays put, even if you move.Buildings Insurance
This covers the main structure of your home and anything that’s built in - like your fitted kitchen. It’s the stuff that stays put, even if you move. - Contents Insurance. This covers the things you’d take with you if you moved house. Like your furniture, clothes, freestanding appliances and laptops.Contents Insurance
This covers the things you’d take with you if you moved house. Like your furniture, clothes, freestanding appliances and laptops. - Combined Home Insurance. This covers the structure of your home and the things inside it in a single policy.Combined Home Insurance
This covers the structure of your home and the things inside it in a single policy.
Tip: Looking for cheap contents and buildings insurance? Our Combined Home Insurance policy can work out cheaper than buying them separately.
Home insurance when buying a house
Need cheap home insurance for a new house? You can learn about finding the right cover in our guide - Home insurance when buying a house.
We’ve also got a handy home guide for first-time buyers - Home insurance for first-time buyers.
Will providing accurate information keep the cost down?
If you give us accurate information when you get a quote, it means you won’t be paying more than you need to. And, importantly, you’ll be properly covered.
It also means there shouldn't be a problem with your cover if you need to make a claim.
When you get a Home Insurance quote, it’s a good idea to check the following:
- Property type and sizeProperty type and size
- Security features - like locks and alarmsSecurity features - like locks and alarms
- Rebuild cost - for Buildings InsuranceRebuild cost - for Buildings Insurance
- Value of your belongings - for Contents InsuranceValue of your belongings - for Contents Insurance
Taking time to check your details can lead to cheaper home insurance and fewer issues later.
Can choosing a higher excess lower my premium?
Yes. Increasing your excess can reduce your premium, but it also means you’ll pay more if you make a claim.
Your total excess is made up of:
- Compulsory excess (set by us)Compulsory excess (set by us)
- Voluntary excess (chosen by you)Voluntary excess (chosen by you)
These amounts are added together if you make a claim.
Choosing a higher voluntary excess can help you get cheaper home insurance. But make sure it’s still affordable if something goes wrong. If your excess is too high, it might not be worth claiming for smaller problems.
You can learn more about your excess in our guide - Your home insurance excess explained.
Do add-ons increase the cost of home insurance?
Yes. Optional extras can increase your premium, so only add what you really need.
With Tesco Home Insurance, our optional extras include:
- Home Emergency Cover. 24-hour support and cover for a range of emergency repairs. From plumbing to electrical and security, and more. Choose Essentials or Full Cover, according to your needs and budget - and save with your Clubcard.
Home Emergency Cover
24-hour support and cover for a range of emergency repairs. From plumbing to electrical and security, and more. Choose Essentials or Full Cover, according to your needs and budget - and save with your Clubcard. - 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
Provides up to £100,000 in legal expenses. To help you or your family with personal injury claims, contract and employment disputes, and more. - Accidental Damage Cover. Provides extra cover for your contents and building to help with accidents at home.Accidental Damage Cover
Provides extra cover for your contents and building to help with accidents at home. - Bicycle Cover. Extra cover for bikes kept at home or when you're out and about.Bicycle Cover
Extra cover for bikes kept at home or when you're out and about.
Take time to understand each add-on - and the different levels of cover - so you know exactly what you’re paying for.
Some extras can save you money in the long run if something goes wrong. It’s about choosing the right fit for your situation - and your budget.
Is it cheaper to pay home insurance annually?
Paying your premium once a year usually means cheaper home insurance.
Monthly payments can include interest or extra charges. Paying in one go means you can avoid the additional costs.
Tip: Set aside the money each month, then pay annually when your policy renews.
When should I review my home insurance?
Reviewing your cover regularly can help you to avoid paying for more than you need to.
For example:
Tesco Contents Insurance comes with flexible contents cover - up to £50,000, £75,000 or £100,000. So you can choose a limit that matches the value of the things you own.
To avoid being overinsured for home contents, it’s a good idea to:
- update your cover after making big purchases or selling high-value itemsupdate your cover after making big purchases or selling high-value items
- take account of any changes - for example, grown-up children leaving hometake account of any changes - for example, grown-up children leaving home
Tip: Be careful not to underinsure either. If your cover’s too low, a claim might not pay out enough to replace everything.
You can learn more about reviewing your cover in our guide - When to review your home insurance.
Should I get a quote early to save on home insurance?
Yes. If you get a quote in plenty of time it can help you to find cheaper home insurance.
Leaving it to the last minute can sometimes mean higher prices. Being more prepared gives you time to:
- compare optionscompare options
- check your detailscheck your details
- choose the right coverchoose the right cover
Tip: If you see a lower price elsewhere, check if it includes the same level of cover. Differences often come down to what’s included - not just the price.
Can maintaining my home help to reduce insurance costs?
Yes. Looking after your home can help to prevent claims and keep costs down over time.
Simple steps include:
- Insulating pipes to stop them freezing - How to keep your pipes from freezingInsulating pipes to stop them freezing - How to keep your pipes from freezing
- Fixing small issues before they get worseFixing small issues before they get worse
- Keeping your home secure - Home security tips and adviceKeeping your home secure - Home security tips and advice
Good maintenance also helps to make sure your home insurance stays valid.
You can get help to protect your home with our home insurance and home care guides:
How to save money with Tesco Home Insurance
Here are some of the ways you can save money when you buy Tesco Home Insurance.
- Clubcard Prices. Save money on Tesco Home Insurance policies with your Clubcard.
Clubcard Prices
Save money on Tesco Home Insurance policies with your Clubcard. - Combined Home Insurance. Our Combined Home Insurance provides contents and buildings cover in a single policy. This can work out cheaper than buying the same cover separately.Combined Home Insurance
Our Combined Home Insurance provides contents and buildings cover in a single policy. This can work out cheaper than buying the same cover separately. - Your voluntary excess. If you choose a higher voluntary excess with Tesco Home Insurance, it can help to lower your premiums. But bear in mind, you’ll need to pay more towards a claim.Your voluntary excess
If you choose a higher voluntary excess with Tesco Home Insurance, it can help to lower your premiums. But bear in mind, you’ll need to pay more towards a claim. - Your Insurance Account. You can manage your Tesco Home Insurance policy easily online - and make changes without paying an admin fee.Your Insurance Account
You can manage your Tesco Home Insurance policy easily online - and make changes without paying an admin fee.
Why trust us for home insurance?
Tesco Home Insurance is 4-star rated by Fairer Finance.
We're a Which? Recommended Provider for Home Insurance. Highly rated for affordability. With 5 stars for customer service.
Summary: how to save on home insurance
If you’re looking for cheap home insurance, here’s a round-up of how to cut the cost of your cover.
- Provide accurate information when you get a quoteProvide accurate information when you get a quote
- Consider a higher voluntary excessConsider a higher voluntary excess
- Pay annually if you canPay annually if you can
- Avoid paying for cover you don’t needAvoid paying for cover you don’t need
- Review your policy regularlyReview your policy regularly
- Speak to us if you need help or anything changesSpeak to us if you need help or anything changes
- Compare like-for-like cover (not just price)Compare like-for-like cover (not just price)
- Save with Clubcard Prices and more with Tesco Home InsuranceSave with Clubcard Prices and more with Tesco Home Insurance
Ready to get a Home Insurance quote?
By choosing your cover carefully and reviewing it regularly, you can save money on home insurance without cutting corners.
Get a quote today and find cover that’s right for your home - at a price that works for you.
Help for Home Insurance customers
If you have any questions about your cover, or need to make a claim, we’re here to help.
Support for additional needs
If you have a disability, or need to do things differently, tell us how we can help.
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.
You'll find complete details of the cover, monetary limits, exclusions, excesses and terms in our policy documents.
Learn more about Home Insurance
Find the right cover for the place you call home. Choose Tesco Home Insurance and save money with your Clubcard.
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