# Best Home Insurance _CompareFairly · en/GB · neutral comparison, cited sources, no paid placement_ **Category:** finance › assurance › assurance habitation **Our pick**: NFU Mutual (100/100) · **Cheapest**: Admiral Home Insurance · **Best value**: Direct Line Home Insurance ## 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 | ## 1. NFU Mutual ## 2. Halifax ## 3. John Lewis Home Insurance Provides quality home insurance with excellent customer service and rewards. _Source (estimate): [https://www.johnlewis.com/content/home-insurance](https://www.johnlewis.com/content/home-insurance)_ ## 4. Direct Line Home Insurance Comprehensive home insurance with a strong reputation for claims handling. _Source (estimate): [https://www.directline.com/home-insurance](https://www.directline.com/home-insurance)_ ## 5. LV= Home Insurance A combined home insurance policy with good scores for buildings and contents. _Source (verified): [https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/best-and-worst-home-insurance-abtdC2Z1qveJ](https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/best-and-worst-home-insurance-abtdC2Z1qveJ)_ ## 6. Churchill Home Insurance Offers competitive home insurance with a focus on customer service. _Source (estimate): [https://www.churchill.com/home-insurance](https://www.churchill.com/home-insurance)_ ## 7. Aviva Home Insurance A combined home insurance policy available on various comparison sites. _Source (verified): [https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/best-and-worst-home-insurance-abtdC2Z1qveJ](https://www.which.co.uk/money/insurance/home-and-mobile-insurance/home-insurance-reviews/best-and-worst-home-insurance-abtdC2Z1qveJ)_ ## 8. Sainsbury's Home Insurance Offers home insurance with Nectar points rewards and good customer service. _Source (estimate): [https://www.sainsburysbank.co.uk/insurance/home-insurance](https://www.sainsburysbank.co.uk/insurance/home-insurance)_ ## 9. More Than Home Insurance Offers a range of home insurance policies with optional extras. _Source (estimate): [https://www.morethan.com/home-insurance/](https://www.morethan.com/home-insurance/)_ ## 10. Admiral Home Insurance Known for competitive pricing and a straightforward online process. _Source (estimate): [https://www.admiral.com/home-insurance](https://www.admiral.com/home-insurance)_ ## 11. M&S Bank ## 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. ## 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. --- _Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._ --- _CompareFairly · https://comparefairly.com/en/GB/home-insurance-comparison — citation with a link is allowed; bulk extraction/redistribution is prohibited._