This is a list of home insurance companies that cover over 60s.
You can visit each insurer's website to view policy details and get quotes. How our site works.
Sainsbury's Bank Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: up to unlimited
Contents: up to £100,000
Cover Per Valuable
up to £4,000
Discounts for Nectar shoppers available. T&Cs apply. Above cover is Sainsbury's Premier Home Insurance. Underwritten by U K Insurance Ltd
Direct Line Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: up to unlimited
Contents: up to £100,000
Cover Per Valuable
up to £5000-£10000
Get 35% off 5 star rated cover when you buy online. Offer is for combined Building & Content cover. New customers only, Minimum Premiums apply. Excludes add-ons & SELECT Premier. Limits advertised apply to Home Plus product.
John Lewis Insurance Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: up to unlimited
Contents: up to unlimited
Cover Per Valuable
up to unlimited
John Lewis Home Insurance offers Unlimited Buildings and Contents Cover with their Premier Cover so you don't have to worry about being underinsured. Includes introductory and web discount, first year premium only. Minimum premiums apply.
Aviva Home Insurance
Home Emergency Cover
optional
Maximum Cover
Buildings: up to £2,000,000
Contents: up to £250,000
Cover Per Valuable
up to £2,000
40% no claim discount if you have been claim free for 5yrs plus. Smaller discounts apply for those claim free for 1-4yrs. Excludes home emergency/legal cover. Min prices apply.
Intasure Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: up to £1,000,000
Contents: up to £250,000
Cover Per Valuable
up to £10,000
Nationwide Home Insurance
Home Emergency Cover
optional
Maximum Cover
Buildings: up to unlimited
Contents: up to £100,000
Cover Per Valuable
up to £4,000
20% off when you buy new buildings and contents cover together
LV= Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: up to £1,000,000
Contents: up to £150,000
Cover Per Valuable
up to £1,500
Great value Defaqto 5 Star cover. The UK's most recommended insurer (YouGov BrandIndex, Mar '14 to Feb '15)
Saga Home Insurance
Home Emergency Cover
optional
Maximum Cover
Buildings: up to £1,000,000
Contents: up to from £89,000
Cover Per Valuable
up to unlimited
M&S Bank Home Insurance
Home Emergency Cover
optional
Maximum Cover
Buildings: up to unlimited
Contents: up to unlimited
Cover Per Valuable
up to £15,000
20%* online discount excludes renewals, is subject to minimum premiums and is not available to customers renewing their existing cover. See website for details.
Halifax Home Insurance
Home Emergency Cover
optional
Maximum Cover
Buildings: up to £1,000,000
Contents: up to £100,000
Cover Per Valuable
up to £500-£7500
£50 cashback offer on combined buildings and contents, conditions apply. Underwritten by Lloyds Bank General Insurance Limited
Churchill Home Insurance
Home Emergency Cover
optional
Maximum Cover
Buildings: up to £1,000,000
Contents: up to £50,000
Cover Per Valuable
up to £2,000
51% of customers paid £122 or less for a Building and Contents online 01/06/14 - 31/11/14. T&Cs. Underwritten by U K Insurance Limited.
HomeProtect Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: up to unlimited
Contents: up to £500,000
Cover Per Valuable
up to £1,500
Protect your home in minutes. HomeProtect's customers have saved money & set up their home insurance online, even with insurance problems in the past. Underwritten by AXA Insurance and other reputable insurers. Buildings insurance rated 5* by Defaqto.
British Gas Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: up to £1,000,000
Contents: up to £85,000
Cover Per Valuable
up to £12,000
British Gas Home Insurance offers cover for buildings insurance, contents insurance or a combination of the two. Get 20% off when you buy online. (Subject to minimum premiums. Landlords receive a 10% discount. T&Cs apply, see website for details).
Legal & General Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: £800,000
Contents: £100,000
Cover Per Valuable
up to £2000/5% of contents cover
Buy new Extra buildings and contents insurance online by the 30th of June and receive a £30 Amazon.co.uk gift certificate. T&Cs apply.
AgeUK Home Insurance
Home Emergency Cover
no
Maximum Cover
Buildings: £500,000
Cover Per Valuable
-
AXA Home Insurance
Home Emergency Cover
optional
Maximum Cover
Buildings: up to £1,000,000
Contents: up to £85,000
Cover Per Valuable
up to £10,000
Access your policy online 24/7 with the reassurance of dedicated UK claims handlers.
Endsleigh Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: up to £750,000
Contents: up to £150,000
Cover Per Valuable
up to £2,000
Endsleigh’s great value home insurance covers buildings, contents and valuables, such as gadgets away from your home. Includes 24 hour laptop and phone replacement. T&Cs apply.
This is an insurance broker.
MORE TH>N Home Insurance
Home Emergency Cover
varies
Maximum Cover
Buildings: up to £500,000
Contents: up to £75,000
Cover Per Valuable
up to £1,000
You could pay as little as £99 for Home insurance. (Based on 20% of direct new customers More Than data Aug 14 - Jan 15. Excludes optional extras.)
The Co-operative Insurance Home Insurance
Home Emergency Cover
optional
Maximum Cover
Buildings: up to £500,000
Contents: up to £80,000
Cover Per Valuable
up to £2,000
Free Karcher WV2 Window Vac worth £60 when you take out new combined Buildings and Contents from Co-operative Insurance. T's & C's apply.
Sheilas' Wheels Home Insurance
Home Emergency Cover
optional
Maximum Cover
Buildings: up to unlimited
Contents: up to £100,000
Cover Per Valuable
up to £1,500
Sheilas’ Wheels Home Insurance, 5 Star rated by Defaqto, quotes in minutes. Bonzer!

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

How to Find the Best Over 60s Home Insurance

If you're in your 60s your circumstances have changed a little over the years and your home insurance needs too. We take a look at what you'll need to know to get the best house and contents for over 60s.

Is there an age limit to home insurance?

No, unlike some other types of insurance, there is no upper age limit to home insurance. If anything being older can be a benefit as you may be able to get a cheaper quote, here's some reasons why;

No Claims discounts

If you've had a policy for a number of years and not made a claim you may have a tidy no claims discount which could save you a decent amount on your premiums. Some insurers will offer savings of 40% or more if you have 5 years of no claims.

Companies that specialise in the older generation

There are a number of companies that you will be eligible for that the younger generation won't be. This means you have a wider choice of policies to choose from, but don't look exclusively at these companies as you may miss out on the best policy.

Lifestyle considerations

Statistically over 60s are a safer bet to insurers as they make fewer claims, live in areas with lower crime rates, and are more careful with their possessions.

All of these things mean that insurers want over 60s as customers and are willing to offer them the best policies to get them. Do keep in mind that your personal home insurance policy will be tailored around your specific circumstances.

Have your needs changed?

Now that you're into your 60s the home insurance cover you need will be different than when you were younger.

If you have a family home and all of the kids have flown the nest and taken their valuables with them you could save money by reducing the cover of your contents policy. Or you may be looking to downsize in which case there will be potential savings in buildings and contents insurance.

On the flip side you may have more personal belongings now you're older and the cover you have may not be sufficient to cover everything.

It may be worth doing a thorough assessment of the belongings you have in your home to ensure the amount of cover you have is sufficient.

You may be lucky enough to have retired, and for many retirees travel is great way to spend their new found free time. This could mean that you're leaving your property empty more than you used to. Most policies won't cover your home if it's left empty for more than a few weeks, so make sure you're not leaving your home unprotected. There are clauses out there that cover up to 60 days unoccupancy that could be worth looking out for.

Your garden may have been something that suffered when you were younger, but if you have discovered your green fingers now you're in your 60s you may want to increase the garden cover on you policy so that it's protected against damage and theft.

What extras should you consider?

Another way to ensure you are getting the best policy is to have a think about the additional policy features available.

Accidental Damage

This cover protects you against those inevitable clumsy moments and will come as standard with some policies but you may need to pay extra for it on others.

Home emergency

This will mean a skilled tradesman will be sent out to your property in the event of an emergency such as burst pipe or boiler breakdown. This will be an add-on that you will need to pay extra for on most policies so have a think about whether this cover will be worth the additional outlay.

Legal Expenses

This cover will protect you financially should you need to go to court over something to do with your property. This could be something like personal injury or a boundary dispute with your neighbour. Hopefully this is something you'll never have to use but could be worth having.

Compare Quotes

Now that you've had a think about the things you may need to change, include, or remove from your home insurance policy you're ready to find the best policy for you, and the cheapest home insurance for over 60s that fits your needs.

If you have existing cover in place, contact your provider and discuss any changes you need to your policy to see if they can offer you a good deal.

You can then take this and compare what's on offer using our home insurance over 60 comparison to find the policies that suit your needs and get quotes that offer everything you need at the best possible price.

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How to save on your home insurance

We share the secrets of getting better insurance protection for your home for less.

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