An unlimited home insurance policy gives you comprehensive protection if you need to make a claim, but you could end up paying more than you need to.

It means there is no claim limit on your buildings insurance policy, so you do not need to worry about how much your claim will cost.

However, you may be able to find a policy that offers enough cover to protect your home for a cheaper price.

Before you look for an unlimited home insurance policy, you should think about:

How much cover you need

Buildings insurance should cover at least the full rebuild value of your home.

This is how much it would cost to rebuild your home from scratch and is not the same as the market value. You can use the ABI rebuild calculator to work it out.

Look at standard buildings insurance policies that offer a cover limit closer to your rebuild value before buying unlimited home insurance.

Most policies set a limit of at least 500,000, so you should only need an unlimited home insurance policy if the rebuild value of your home is more than this.

What is not included

This comparison shows home insurance policies that offer unlimited cover for your buildings, but does not include your contents.

Not many home insurers offer unlimited contents insurance cover, so if you want a combined policy you should to think about what contents cover you need.

You need to work out how much all of your personal belongings would cost to replace; here is how to go about it.

There are other benefits that may not be included as standard, and will have separate cover limits, including:

You can find out what else is not always included as standard with home insurance here. You many need to add these to your policy at an extra cost.

Should you get unlimited home insurance?

If your home has a high rebuild cost, an unlimited home insurance policy can give you the peace of mind of knowing you are covered whatever the cost of the claim.

It also means your property will continue to be covered if the rebuild value increases, for example if you add an extension to your home.

However, you may get a cheaper deal by choosing a policy with a set claim limit, but make sure it is at least equal to the rebuild value of your home.

Unlimited home insurance FAQs

Q

What is unlimited home insurance?

A

It means the is no limit to the amount you can claim on your buildings cover if your home is damaged. It does not include unlimited contents insurance.

Q

Why is the number of bedrooms in my home important?

A

Many insurers use the number of bedrooms in your property to work out much it would cost to rebuild, and how much cover you need.

Q

How do I work out the rebuild value of my home?

A

You can pay for a chartered surveyor for an accurate value, or use the free Association of British Insurers (ABI) rebuild calculator for an estimate.

Q

How can I save on my unlimited home insurance?

A

Use this comparison to shop around to find the best deal, or read these eight tips to cheaper home insurance.

Q

How do I make a home insurance claim?

A

You need to call your insurer's claims number and tell them what has happened. Here is how to claim on your home insurance policy.

About our home insurance comparison

Q

Who do we include in this comparison?

A

We include every insurer that offers unlimited home insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.