Home Insurance Comparison

When you use the Union Insurance Services comparison site powered by MoneySuperMarket, you get:

• A comparison tailored for union members with specific benefits highlighted
• Access to the £25 renewal guarantee (subject to eligibility).

Click here for full terms and conditions.

• Dedicated member support from Union Insurance Services advisers.

Going directly to MoneySuperMarket gives you the same insurer panel, but you won’t receive union-specific support or the renewal guarantee.

To get a quote for your home insurance, insurers will ask you to provide your personal details and any existing policy documents, if applicable.

To get accurate quotes, you’ll typically need:

• Address of the property to be insured
• Details of the buildings and contents values
• Information about previous claims
• The type of security features at the property
• Your current insurer and renewal price (for the renewal guarantee)

There are two main types of home insurance:

• Buildings insurance – covers the structure of your home, such as the walls, roof, floors, and permanent fixtures.
• Contents insurance – covers the belongings inside your home, such as furniture, electronics, and personal items.

You can take these out separately or choose a combined home insurance policy, which includes both types of cover with the same insurer.
Most insurers have guidelines on the minimum and maximum sums you can insure. The comparison tool will indicate if your entered values fall outside standard limits and offer solutions or prompts to adjust as needed.

If you’re renting a property, you won’t usually need buildings insurance, this is typically the responsibility of your landlord.
However, you may still want to consider contents insurance. This covers your personal belongings, such as furniture, electronics, clothing, and other valuables, against risks like theft, fire, or damage.

While contents insurance isn’t a legal requirement, it can provide financial protection and peace of mind if something happens to your possessions. When choosing a policy, you can select a level of cover that reflects the value of the items you own, and add optional extras if needed (for example, cover for high-value items or accidental damage).

It’s always a good idea to check your tenancy agreement, as some landlords may require you to have contents insurance in place.

The amount of cover you need will depend on your property and what you want to protect. When choosing your policy, you should consider:

• Rebuild cost (for buildings insurance) – the amount it would cost to completely rebuild your home from the ground up, including labour and materials (this is different from the market value of your property).
• Contents value (for contents insurance) – the total cost of replacing all your belongings if they were lost, damaged, or stolen.

To estimate your contents cover, it’s a good idea to go room by room and add up the value of your items. Don’t forget to include belongings in places like your garage, shed, or garden.

You can also use tools such as the Association of British Insurers (ABI) contents calculator to help you work out an accurate estimate.
Make sure you review your cover regularly and update it if your circumstances change. For example, if you buy new valuables or make improvements to your home, to avoid being underinsured

An excess is the amount you pay towards a claim before your insurer pays the rest.
There are two types of excess:

• Compulsory excess – This is set by your insurer when you take out your policy and can’t be changed. It often starts from around £50.
• Voluntary excess – This is an additional amount you choose to pay. Selecting a higher voluntary excess can reduce the cost of your premium.

Your total excess is the combined amount of your compulsory and voluntary excess.
When you make a claim, the excess isn’t paid separately. Instead, it’s deducted from your settlement. For example, if you make a £500 claim and your total excess is £150 (£100 compulsory and £50 voluntary), your insurer will pay £350.

We are unable to provide advice about insurer specific policy details. You can find the information about each individual policy within your search results after clicking on ‘get results’. The information about each policy will appear on the page and you can also find additional information by clicking “more” on the right-hand side of each policy description. For further information, you can click on “go to site” which will take you directly to the insurer’s website.

Yes, most insurers allow you to make changes to your policy during the policy term. This might include updating the value of your contents, adding or removing optional cover, or making other adjustments. To request a change, contact your insurer directly.
If you need to cancel your policy, you’ll also need to contact your insurer directly. As a comparison service, Union Insurance cannot cancel policies on behalf of insurers.

If you cancel your policy within the 14-day cooling-off period, you are legally entitled to a refund. However, your insurer may charge for the time the policy was active and may also apply an administration fee. Please check your policy terms and conditions for full details and contact your insurer directly for further information

Your policy documents will include the insurer’s claim contact details. In most cases, you can start a claim online or by phone. Have your policy number and details of the incident ready when you call.