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Last updated: 15 December 2020
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 the level of cover you need.
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.
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.
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.
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.
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.
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.
Compare quotes to protect your home with the right cover.