Direct Line Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: up to unlimited
Contents: up to £50,000
up to £10,000
Get 20% off when you buy online. Excludes Select Premier. New customers only. Excludes optional cover. Minimum premiums apply.
Aviva Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
optionalBuildings: up to £1,000,000
Contents: up to £150,000
up to £2,000
40% no claim discount if you have been claim free for five years or more (smaller discounts apply if you have been claim free for between one and four years. Discount doesn’t apply to home emergency or legal cover options. Minimum prices apply).
Intasure Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: up to unlimited
Contents: up to unlimited
up to £10,000
Tesco Bank Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
optionalBuildings: unlimited
Contents: up to £100,000
up to valuables cover
£30 Tesco Gift Card for new customers with a Clubcard who buy combined buildings and contents cover by 28/10/14. Conditions apply. Tesco Bank Home Insurance is arranged and administered by Tesco Bank and is underwritten by a select range of insurers.
Nationwide Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
optionalBuildings: up to unlimited
Contents: up to £100,000
up to £4,000
Their NEW home insurance could cover more than you think, with two great levels of cover to choose from.
John Lewis Insurance Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: up to unlimited
Contents: up to unlimited
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.
Churchill Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
optionalBuildings: up to £1,000,000
Contents: up to £100,000
up to £2,000
Choose a free gift when you buy combined Buildings and Contents insurance. Free gift with buildings and contents cover bought before 31st October 2014.
Discount Insurance Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: up to £1,000,000
Contents: up to £80,000
up to £2,500
GSI Insurance Services Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: £1,500,000
Contents: up to £150,000
varies
Saga Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
optionalBuildings: up to from £1,000,000
Contents: up to from £89,000
up to unlimited
M&S Bank Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
optionalBuildings: up to unlimited
Contents: up to unlimited
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.
LV= Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: up to £1,000,000
Contents: up to £150,000
up to £1,500
10% of new customers paid from £111 or less. Get a quote today.
Sainsbury's Bank Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: up to unlimited
Contents: up to £100,000
up to £4,000
30% off Sainsbury's home insurance for new customers with 5 years claim free. Minimum premiums apply. Underwritten by U K Insurance Limited.
The Co-operative Insurance Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
optionalBuildings: up to £500,000
Contents: up to £80,000
up to £2,000
Free Karcher window vac worth £59.99, plus 50% off contents cover for all new combined home insurance policies. Ts and Cs apply. Get a quote today!
British Gas Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: up to £1,000,000
Contents: up to £85,000
up to £12,000
British Gas Home Insurance provided by AXA offers cover for buildings insurance, contents insurance or both. Get 20% off when you buy online* & tailor your cover for a great value quote. (*Subject to min premiums. Landlord policies receive a 10% discount)
Legal & General Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: £800,000
Contents: £100,000
up to £2000/5% of contents cover
Get £30 Amazon Gift Certificates. Legal & General Offer Buy new buildings and contents insurance and receive a £30 Amazon.co.uk Gift Certificate. T&C’s apply. Expires 31st December 2014.
AgeUK Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
noBuildings: £500,000-
Pay by Monthly Instalments at NO extra cost (0% APR Representative). No hidden fees
Hiscox Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
optionalBuildings: up to unlimited
Contents: up to unlimited
up to £15,000
Hiscox have been underwriting insurance since 1901 & have recently won awards in recognition of fantastic claims service. Get a quote for their 5* rated home insurance in minutes & receive a 10% online discount.
MORE TH>N Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: up to £500,000
Contents: up to £75,000
up to £1,000
Home Insurance for as little as £99 plus £200 Free Home Emergency Assistance (Based on 20% of direct new customers M> Data Apr-Jun 14. Excludes Optional Extras. Minimum premium applies. New quotes only. When using one of our authorised repair networks ).
HomeProtect Home Insurance
Home Emergency CoverMaximum CoverCover Per Valuable
variesBuildings: up to unlimited
Contents: up to £500,000
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.

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

by MatthewF from money.co.uk

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.

Older Couple Laughing

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.