Home Insurance
10% of Clubcard members paid £120 or less for Combined Buildings and Contents Home Insurance between May 2024 and October 2024.
Excludes add-ons. Based on policies sold 01/05/24 - 31/10/24.
Why choose Tesco Home Insurance?
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Cover that's Defaqto 5 Star rated -
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Manage your Home Insurance policy online 24/7 in Your Insurance Account -
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£75,000 contents cover as standard -
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Unlimited buildings cover as standard -
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Alternative accommodation if your home isn't safe to live in Terms apply
Spend less on home insurance with your Clubcard
If you have a Clubcard, we’ll try to find it automatically when you get a quote. If we can’t, just enter it when prompted.
All of our Home Insurance policies offer:
- 5 Star Defaqto rating 5 Star Defaqto rating
- Online policy management Online policy management
- Optional extras (available at an extra cost) Optional extras (available at an extra cost)
Buildings and Contents Insurance
For when you need to cover both your building and its contents in one.
- £75,000 new-for-old contents cover as standard. Upgrade to £100,000 available at an additional cost. £75,000 new-for-old contents cover as standard. Upgrade to £100,000 available at an additional cost.
- Unlimited buildings cover as standard. Unlimited buildings cover as standard.
Buildings Insurance
For covering damage to the walls, windows and roof of your home, along with some fixtures and fittings.
- Unlimited cover for the cost of repairing or rebuilding your home. Unlimited cover for the cost of repairing or rebuilding your home.
- Permanent fixtures such as showers, baths and built-in kitchens are covered. Permanent fixtures such as showers, baths and built-in kitchens are covered.
- Alternative accommodation included. Alternative accommodation included.
Contents Insurance
For covering the cost of replacing your home contents if they're damaged or stolen.
- £75,000 new-for-old contents cover as standard. Upgrade to £100,000 available at an additional cost. £75,000 new-for-old contents cover as standard. Upgrade to £100,000 available at an additional cost.
- Cover for accidental damage to home entertainment equipment such as your TV, tablet and laptop. Cover for accidental damage to home entertainment equipment such as your TV, tablet and laptop.
Defaqto 5 Star rated
Defaqto is an independent researcher of financial products, focused on providing intelligence to support better decision making. Tesco Home Insurance has a Defaqto 5 Star Rating in the UK which means it has a comprehensive level of features and benefits.
Help for existing Home Insurance customers
Need to check your policy documents or need to make a claim?
Your Insurance Account
If you’re looking to check or change your policy details or view any of your documents you can do this online with Your Insurance Account. Log in below or find out more
Helpful information about home insurance
What is buildings and contents insurance?
Buildings and contents insurance, often referred to as ‘home insurance’, is a combined insurance that covers both your building and its contents in one.
What is buildings insurance?
Buildings insurance covers the cost of repairing damage to the walls, windows and roof of your home, along with some fixtures and fittings. Buildings insurance generally covers the cost of rebuilding your property.
What is contents insurance?
Contents insurance covers the cost of replacing your home contents if they’re damaged or stolen. Your ‘home contents’ are any belongings that you’d take with you if you moved house.
What’s not covered?
Although Home Insurance provides a range of covers for your home, there are some exceptions where you aren’t covered, these include:
- Loss or damage that occurred before the policy start date.Loss or damage that occurred before the policy start date.
- Loss or damage caused by gradual wear and tear or lack of general maintenance to your home.Loss or damage caused by gradual wear and tear or lack of general maintenance to your home.
- Storm or flood damage to gates, hedges or fences.Storm or flood damage to gates, hedges or fences.
For more information on ‘what’s not covered’, see our policy booklets below.
Important information
Tesco Home Insurance is arranged and administered by Tesco Insurance and is underwritten by Tesco Underwriting Ltd.
Home Emergency cover is underwritten by Inter Partner Assistance S.A.
Family Legal Guard is underwritten by AmTrust Europe Limited.
Before you buy your Tesco Home Insurance online, please read the policy documents to ensure that the policy you select meets your needs. The policy booklet and product information documents outline the benefits, limitations and exclusions that will apply to your cover.
For Home Insurance policies starting on or after the 22 May 2024:
For Home Insurance policies starting before 22 May 2024:
Home Insurance FAQs
We're sorry to hear you're considering cancelling your Home Insurance policy.
To cancel your policy, you will need to call us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm. Fees will be charged to cancel your policy as per our terms and conditions which can be found in your policy booklet.
You can opt out of automatic renewal at any time. Just log in to Your Insurance Account or by calling us.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
You can change your address at any time in Your Insurance Account.
As well as your new postcode and house number, you’ll be asked for the following information: -
What year the property was built?
What type of building Is it?
What construction type?
To change your address, follow these steps:
After logging in, select the policy and click ‘Make changes’
- Select ‘Change your address’.
- Read the statements carefully and, if you’re happy with them, click ‘Confirm’.
- Choose the date you’d like the change to take effect.
- Add the details for your new address.
- If you’d like to change your correspondence address, you can do so here.
- Check all the information is correct before clicking ‘Save and get quote’. We’ll then show you the cost to make the change and a few optional extras for your policy.
There are no fees for changing your address online, but your premium may change.
If you get stuck, were here to help. Get in touch by calling us on 0345 246 2904* and we’ll chat you through it step by step. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
Tesco Home Insurance covers mobile phones and tablets for theft within the home. We cover tablets for accidental damage under home entertainment equipment cover. However, mobiles are not covered by this policy. You must add personal possessions cover if you want accidental damage cover for your mobile at home.
Policies that start with TI - £600 (subject to excesses)
Policies that start with QH - £1,500 (subject to excesses)
What’s not covered
- Mechanical or electrical faults or breakdowns.
- The total excess shown in your schedule for every claim.
- Any amount above the maximum claim limit shown on your schedule.
Full terms and conditions can be found in your policy booklet.
You can check if you have or add personal possessions to your policy by logging into Your Insurance Account or by calling us on 0345 246 2904*. Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
You can renew your policy by logging in to Your Insurance Account and follow these steps:
After logging in, select the policy and click ‘View renewal’. Check the information is up to date (any errors could leave you without cover and could also affect how much you pay). We’ll then ask if you're happy to renew automatically or want to change your payment details (if you pay in full, we'll take your payment immediately). Confirm your payment details. If your policy is set to renew automatically, you don't need to do anything unless your circumstances have changed or you want to change your policy.
If you pay by Direct Debit, your new payments will start automatically. If you pay annually, we'll automatically take the new payment from the same card you used last year.
If you’re currently paying annually, and would like to switch to Direct Debit, please call our renewal team on the number below who will discuss your options.
If your policy is not set to renew automatically and you wish to renew, you must contact us before your renewal date to ensure we can guarantee the price we have sent you. You can also find details on how to renew your quote in your invite email.
If your policy is set to automatically renew but you don't want to go ahead, you can make a change by logging in to Your Insurance Account or calling us on 0345 246 2904* Lines are open Monday to Friday 8am - 8pm and Saturday to Sunday 9am - 2pm.
*Calls may be recorded. This number may be included as part of any inclusive call minutes provided by your phone operator.
Contact us - we're here to help
Have a question or need help applying? Our friendly, UK-based customer service team is here to help.