Home insurance financially protects your home and its belongings against theft, loss and damage. A home insurance policy helps cover the cost of repairing your home in the event of unavoidable damage, like fire or flooding, and replacing stolen valuables if there’s a break-in.

There are two parts of home insurance – buildings insurance and contents insurance. Buildings insurance protects the physical structure of your home, whereas contents insurance protects your belongings inside the home. These can be bought individually or together as a buildings and contents insurance policy.

While home insurance isn’t a legal requirement, it’s still useful for protecting your home. Because a home is likely to be the most expensive thing you own, it’s worth protecting your pocket from the cost of damage, loss or theft. 

Most mortgage providers will require you to take out buildings insurance in order to approve your mortgage application. 

Our buildings and contents insurance is suitable for anyone who owns a home. But there are policies designed for all types of occupants. Those who may consider home insurance include:

Homeowners

If you’re paying off a mortgage or you own your home outright, then you may want to take out buildings insurance. However, you’re responsible for both the home’s structure and any belongings, so buildings and contents insurance may be more suitable. 

Landlords

Landlords are legally required to have insurance that will protect the property and its occupiers. This usually comes under landlord insurance, which covers your buildings, contents, accidental damage, landlord liability and alternative accommodation. 

Renters

If you live in a rented property, then buildings insurance is covered by the landlord. But you’ll need a contents insurance policy for your own belongings, as your landlord’s insurance won’t cover this.

Holiday homeowners

You’re unable to cover a second home with standard home insurance. For this, you’ll need specific insurance to cover the risks associated with renting your second home out and leaving it empty for long periods of time.

Insure your house, its contents or a combination of the two. It's up to you.

• Buildings insurance covers the structure of your home, plus permanent fittings like your roof, walls, fitted kitchen and bathroom. It can also include cover for alternative accommodation if your home becomes uninhabitable.
• Home contents insures the value of everything in your house – such as furniture, electricals, clothing and jewellery – with each item only covered up to a certain amount. Additional accidental damage can be included for an extra cost.
• Combined buildings and contents insurance covers your home and belongings with one neat package. This could be more cost-effective than buying two separate policies and can be easier when making a claim.  

We have two levels of cover, Home or Home Plus.

Here's just some of the features you get as standard with Sainsbury's Home insurance:

• Alternative accommodation – if you can't live in your home following a valid claim, we can help pay for your accommodation while your place is being fixed.
• Accidental damage – you get some cover as standard, but you can upgrade this as an optional extra.
• No claims discount – money off next year's premium if you don't make a claim.

On top of this, with Home Plus we’ll include:

• Home Emergency Cover – for unexpected events like boiler breakdowns or blocked drains.
• Family Legal Protection – help cover unexpected legal costs. 

Comes with a 24-hour legal helpline too.

Home insurance helps cover the cost of theft, loss or damage to your home as standard, but there is optional cover too. 

Here is a breakdown of what you can get with home insurance: 

Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.

Our portal is designed to help you keep tabs on your policy and cover options. Here’s the handy things it’ll help you do:

• View policy cover and renewal dates
• Upload documents such as proof of no claims
• Make changes to cover with no admin fee
• Find out how to make a claim
• Cancel your policy

Take a look at the frequently asked questions on our home insurance.

Our home insurance covers you from floor to ceiling – and even out to the garden. We'll take care of your valuables and we'll protect your children's belongings while they're studying away from home. Plus, we've got garden contents cover for your plants and patio furniture, and we'll even get on the case if your house gets a leak.

And that's before you look at our optional extras, which you can add for an additional cost. Whether it's Enhanced Accidental Damage Cover for your clumsier days or Personal Possessions Cover when you're out and about, you can get the insurance you need.

Whether you need contents or buildings insurance, or both, here are just some of the home insurance benefits you get as standard with your policy.

Cover limits, exclusions and excesses apply. For more detail about what's covered and what's not, have a look at our policy documents.

Sainsbury's Home insurance is arranged and administered by Sainsbury's Money and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

Following the launch of the Homes for Ukraine scheme, we want to support our customers who open their homes and properties to help those displaced by the conflict.

Customers who wish to be considered should first visit the official government website and register their interest.

If you are successfully accepted as a sponsor under the scheme and will be sharing your main property with those displaced by the conflict, you do not need to inform us. Their belongings will be covered within your home contents policy limit and your cover will remain the same. This will apply for the first 12 months of any refugees living with you, including when your policy is due for renewal. If after 12 months, any refugees are still living with you, then please contact us.

If you are successfully accepted as a sponsor under the scheme and will be sharing your second homes, guest homes or another unoccupied property please contact us immediately upon acceptance so that we can consider your request.

Checking your details is quick and easy. You can also:

• Keep your policy up to date by making changes like changing your address or cover if you need to
• View your insurance documents online, with instant access whenever you need them
• Upload documents like proof of no claims discount
• Pay online if you need to
• Cancel your policy

Have a look at our frequently asked questions for more on our home insurance and how it works. We’ve also put together some helpful guides on everything from security tips for students and moving home to going green and protecting your home against storms.

Sainsbury's Home insurance is arranged and administered by Sainsbury's Money and is underwritten by a carefully selected range of insurers. When you get a quote we will tell you who the insurer is before you buy the policy.

Tools, guides and resources

A range of tools and guides to help you keep your home and personal belongings safe and secure.

Guide to home security

What is a valuable?

Guide to moving home

What's covered under home insurance?

How to value your home and contents

Avoid invalidating your insurance

Home insurance glossary

Sainsbury’s Home insurance is arranged and administered by Sainsbury’s Money and is underwritten by a carefully selected range of insurers.