Your home insurance renewal explained.
Get our help to understand and check your renewal invite. And learn more about Tesco Home Insurance.
Published: 29 August 2025
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Need help with your home insurance renewal?
When you get your home insurance renewal invite, it’s a good idea to check the price and understand why it’s changed.
If you’re a Tesco Home Insurance customer, we’ll explain:
- what could be affecting your premiumswhat could be affecting your premiums
- how we’re helpinghow we’re helping
- what to look out for before you renew your home insurance.what to look out for before you renew your home insurance.
When is the best time to renew home insurance?
The best time to renew your home insurance is usually around 3-4 weeks before your policy ends. That gives you enough time to shop around and see if you can save some money.
Letting your policy auto-renew can be less hassle, but it's better to compare quotes from different providers. That way, you can find the right cover at the right price.
Why is home insurance going up?
Home insurance premiums have been rising recently, for a number of reasons. Including:
- More frequent and severe weather-related claimsMore frequent and severe weather-related claims
- The rising costs of labour and materialsThe rising costs of labour and materials
- Increased rebuild costsIncreased rebuild costs
Here’s a quick look at what's causing these changes - and how they could affect your home insurance renewal.
Weather-related claims
Weather plays a big role in the rise of home insurance costs. Storms like Babet, Ciaran and Debi led to a record number of weather-related claims. And more claims are being made due to severe weather conditions - such as heavy rain, cold winters and heatwaves.
Tesco Home Emergency Cover can give you extra protection for an additional cost. You get up to £1000 worth of cover for each call-out, and there’s no limit on the number of call-outs you can make
Monetary limits, excesses and exclusions apply.
Repair and rebuild costs
The cost of labour and materials needed to make home repairs has surged. Insurance companies have had to raise premiums to keep up with the higher costs.
Economic pressures
Higher prices, expensive energy, fewer workers and supply problems are making home repairs cost more.
What does it mean for your renewal price?
With all of these things affecting your premiums, it's likely that the renewal price for your home insurance will be higher than before.
If you’ve got your renewal invite, and you’re looking at the price, it might also be a good idea to:
- review your policy detailsreview your policy details
- update anything that’s changed and could affect your coverupdate anything that’s changed and could affect your cover
- look at your cover options, to make sure your cover meets your needslook at your cover options, to make sure your cover meets your needs
What is Tesco Insurance doing to help?
At Tesco Insurance, we make sure our prices are as competitive as possible. And when you renew your home insurance with us:
- you won’t pay any more than a new customer taking out like-for-like coveryou won’t pay any more than a new customer taking out like-for-like cover
- you’ll get a 5% discount with your Clubcard, which is automatically applied to your renewal price.you’ll get a 5% discount with your Clubcard, which is automatically applied to your renewal price.
Home insurance you can trust
Tesco Home Insurance is 4-star rated by Fairer Finance. And, if you need to talk to someone about your policy, our friendly, UK-based customer service team is here to help.
What else should I do at renewal?
There are number of things you can do when you get your renewal invite, to make sure the cover and price are right for you.
Review your renewal documents
Make sure your policy still meets your needs and that all the information is correct and up to date.
If you need to change anything on your Tesco Home Insurance policy, please call our Home Insurance team. You won’t need to pay an admin fee, as you can’t make changes in Your Insurance Account during the renewal window.
Compare policies
Make sure your policy’s right for you. Take time to compare quotes and cover with other providers. If you find a cheaper home insurance quote elsewhere, let us know. Our friendly customer service team will see if there's anything they can do to help.
When comparing quotes, don’t just look at the price. Pay attention to things like voluntary excess, rebuild costs, policy features and optional extras. These all affect the value of your cover.
Help for Home Insurance customers
If you have any questions about your home insurance renewal, please call us. Our Home Insurance team will be happy to help.
Lines are open Monday to Friday 8am-8pm, Saturday and Sunday 9am-2pm.
Support with money issues
If you’re struggling with money at the moment, there are things we can do to help.
For example, we might be able to make your payments more manageable, to help you get back on track.
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 SA.
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.