Top home insurance compared

About Top home insurance compared

Home insurance is bought rarely and judged quickly, so two things decide it: what the premium costs and how a claim moves when something is damaged. This ranking covers 248 brands that place home cover in their range. Insurers account for 40.7% of the field, brokers for 33.7% and comparison sites for 25.1%, and each kind handles the claim differently. The median starting premium is €8.54, but the trade-off runs deeper than price. 94.9% of the field can be paid monthly, which spreads the cost across the year instead of settling it at once. Look too at which claims route is published and which support channels answer, because the moment a claim is made is what the policy is judged on. Some entries publish a free starting figure or a price from another line of business, and each blurb says which line that figure belongs to.

How we picked

Scores are built from weighted inputs. Trust carries the heaviest weight at 40%, cost follows at 35%, and the breadth of the offer at 25%. Trust reads the kind of company behind the policy, an insurer, a broker or a comparison site, along with the claims route and the support channels listed. Cost reads the published starting premium and whether the policy can be paid monthly. Offer reads the range of cover sold, from home and landlord policies to the lines bundled beside them. Every figure comes from the provider own published pages, and the price data behind the ranking is gathered across the field, with premiums running €0 to €3,431.08 in that data. Partners sit at the top of the list, as EuroAsia Insurance and Good Sam Insurance Agency do, and the rest follow in score order. Where a published starting price belongs to another line of business, the entry names the line, so a reader can see which account type sits behind each number. Claims and support channels are reported as published, and open questions are left open rather than guessed.

Our top picks

1. 5. CHECK24

   CHECK24 sits in this ranking with the broadest book and the fullest support list. Support spans chat, email and phone, and claims run through CHECK24 Versicherungscenter online claim form, insurer online claim form and post, which mixes online routes with a postal option. Its lines, auto, home and life, run from home, auto and life through to dental, gadget and income protection, and it is a comparison site working since 1999 as CHECK24 Vergleichsportal GmbH. The published starting premium of €0.69 belongs to private liability rather than home cover, and the site asks for a high minimum limit on that line. Wafir.ma below carries fewer channels and a narrower book.

   • Premium from: €0.69
   • Insurance types: Auto, Home, Life, and 7 more
   • Provider type: Comparison site

   Pros

   • Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
   • Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
   • A single catalogue covering auto, home and life, so most household policies can be compared in one place
   • Support runs on chat, email and phone, with phone and a help centre listed alongside email and chat

   Cons

   • A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
   • The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
   • The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted
   • Claims run on CHECK24 Versicherungscenter online claim form, insurer online claim form and post, so a claim is filed through an online form or by post and no counter service is listed

What to look for

What the premium starts at

The median starting premium in this ranking is €8.54, with the lower quartile at €3.90 and the upper quartile at €45.35. A low floor shows where entry sits, not what a particular home will cost.

Who stands behind the policy

Insurers make up 40.7% of the field, brokers 33.7% and comparison sites 25.1%. An insurer settles the claim itself, a broker places you with one, and a comparison site passes you to several.

How the premium is paid

94.9% of the field can be paid monthly, against 5.1% that cannot. Monthly pay spreads an annual charge across the year, which matters for cash flow after a repair.

How a claim is filed and who answers

Phone is the most common support channel at 89.7%, ahead of help centres at 76%, email at 69.1% and chat at 45.9%. A claim route that runs by phone or form is worth more than a longer product list.

What sits alongside home cover

Home cover sits in the whole field here, 100%, with landlord policies at 18.5%, auto at 89.5% and life at 61.3%. Bundling is convenient but can narrow the choice of insurer.

Frequently asked questions

Top home insurance compared by country

• Australia
• Austria
• Brazil
• Canada
• China
• France
• Germany
• India
• Italy
• Japan
• Mexico
• South Korea
• Spain
• United Kingdom
• United States

The data behind this ranking

All data and the CSV