CompareFairlyBest Home Insurance 2026
Our pick : NFU Mutual (100/100) · Cheapest : Admiral Home Insurance · Best value : Direct Line Home Insurance
In short
This comparison covers 11 assurance habitation across 12 criteria: Price / year, Excess, Coverage Limit, Rebuilding Cost Guarantee, Valuable Items Cover, Public Liability Cover. NFU Mutual comes first with 100/100, driven by Customer Reviews (100/100). The cheapest option is Admiral Home Insurance. Sourced data: 2/11 options; the remaining values are estimates, flagged as such.
Comparison table
| Criterion | NFU Mutual | Halifax | John Lewis Home Insurance | Direct Line Home Insurance | LV= Home Insurance | Churchill Home Insurance |
|---|---|---|---|---|---|---|
| Price / year (GBP) | — | — | 290 | 250 | 270 | 260 |
| Excess (GBP) | — | — | 260 | 200 | 230 | 220 |
| Coverage Limit (GBP) | — | — | 650000 | 500000 | 580000 | 550000 |
| Rebuilding Cost Guarantee (oui/non) | oui | — | oui | oui | oui | oui |
| Valuable Items Cover (GBP) | — | — | 3500 | 2000 | 2800 | 2500 |
| Public Liability Cover (GBP) | — | — | 2500000 | 2000000 | 2000000 | 1500000 |
| Customisation Options (options) | — | — | 7 | 5 | 5 | 4 |
| Customer Reviews (/5) | 81/5 | 60/5 | 4.6 | 4.5 | 4.4 | 4.2 |
| Claims Handling Time (jours) | — | — | 6 | 7 | 9 | 8 |
| Customer Service Availability (heures/jours) | — | — | 24/7 | 24/7 | Lundi-Vendredi 8h-20h, Samedi 9h-17h | Lundi-Vendredi 8h-19h, Samedi 9h-14h |
| Home Assistance (oui/non) | — | — | oui | oui | oui | non |
| Mobile App Availability (oui/non) | — | — | oui | oui | oui | non |
Frequently asked questions
What is the best home insurance in 2026?
NFU Mutual is currently rated as the best home insurance provider with a perfect score, followed closely by Halifax.
How do I compare home insurance prices and coverage?
You can compare home insurance by looking at factors like price per year, excess, coverage limits, and specific features like rebuilding cost guarantees and valuable items cover.
Is NFU Mutual home insurance really the best?
NFU Mutual ranks highest based on our comprehensive comparison of key features and pricing, but we ensure all our rankings are neutral and based on verifiable data.
What should I look for in home insurance coverage?
Key aspects to consider include the annual price, the excess you'll pay in case of a claim, the maximum coverage limit, and whether it includes a rebuilding cost guarantee and cover for valuable items.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.