Review Churchill Home Insurance
Churchill Home Insurance Review
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Really helpful and saved me a fortune on my house insurance
Elaine
Newcastle upon Tyne, United Kingdom
My home insurance had double in one year. I had been with this insurance company for over 20 years, and never claimed. Yet I was given no good reason for the increase, but that the cost of things were going up. I managed to get a better cover for a lot less then 50% of my new quote.
Parveez
United Kingdom
4.75/5 from 24 customer reviews
Review Churchill Home Insurance
Churchill Home Insurance
Founded in 1989 as one of the nations first direct to customer car insurance providers, Churchill has since gone on to expand it’s product range to coverage such as home insurance, travel insurance and pet insurance.
Churchill is a a subsidiary of Direct Line Group which is one of the largest insurance groups within the UK and is regulated by the Financial Conduct Authority (FCA).
What does Churchill home insurance offer?
Churchill home insurance can offer you the following on their home insurance policies:
- One Policy excess for both Buildings & Contents
- Alternative accommodation if an insurable event prevents you living at home
- 12-month guarantee on all building works by our approved repairers
- 24-hour legal helpline
Churchill also offers a home plus package that includes additional coverages such as accidental damage.
Building Insurance
| Covered as standard | Maximum value |
| Buildings sum insured | £1,000,000 |
| Tracing and accessing of leaks in the house | £5,000 |
| Property owner’s liability | £2,000,000 |
| Replacement locks if your keys are lost or stolen | Included |
| Alternative accommodation during repairs, for you and your pets (if your property is uninhabitable) | £25,000 (£40,000 if you have buildings and contents insurance) |
Contents Insurance
| Covered as standard | Maximum value |
| Contents sum insured | £50,000 |
| Replacement locks if your keys are lost or stolen | Included |
| Contents temporarily taken out of the home | £5,000 |
| Alternative accommodation during repairs, for you and your pets (if your property is uninhabitable) | £15,000 (£40,000 if you have buildings and contents insurance) |
| Personal liability | £2,000,000 |
| Employer’s liability | £5,000,000 |
| Garden cover for contents in the garden, plants and landscaping | £1,000 |
Who underwrites Churchill home insurance?
Churchill home insurance is underwritten by UK Insurance Limited. UK Insurance Limited is a subsidiary of Direct Line Insurance Group plc which is one of the UK’s largest insurance groups.
What are some of the optional extras that Churchill offers on its home insurance?
As with most home insurers, Churchill offers you the ability give your home insurance policy some extra protection through add on coverage. These add-ons are optional and will come at an extra charge, however they can be useful for tailoring your policy to the exact coverage you need.
Here are some of the add-on options available with Churchill home insurance.
- Home emergency cover
- Accidental damage cover
- Family legal protection
- Personal possessions cover
With Home Insurance, you can protect your personal items outside the home, such as your mobile phone, laptop, and jewellery. You can choose the amount of cover you need, starting from £2,500. This also includes:
- Cover in the UK and up to 60 days worldwide
- Limit for each individual item of £2,000
- Bicycles up to £500 per cycle
- £500 for lost or stolen money
If you need more coverage for items over £2000 in value, you can name individual items on your policy.
Reviews for Churchill home insurance
Reviews for Churchill home insurance on sites such as smartmoneypeople.com and Trustpilot have been largely positive with an average rating of over 4 stars. Of the
Affordable 5 Stars
“I been with them for over three years.”
Smart Money People Review: 31st May 2023
Had to contact customer services a…
“Had to contact customer services a couple of days after signing up. Apart from to wait on the phone lines was given excellent advice.”
Date of experience: 21 June 2023
What you need to know about Churchill home insurance
When it comes to taking out a home insurance policy with Churchill you’ll have the option between the “basic home insurance and home plus plans”.
The basic Home insurance coverage with Churchill will cover you up to £50,000 for contents and £1000,000 for buildings. The “home plus” plan includes cover up to £100,000 for contents as well as unlimited cover for your property. You will also only pay one excess on a claim for both building and content. Plants and garden landscaping will also be included under contents cover.
Whilst optional home insurance includes cover for pest infestations, it does not however include coverage for underfloor heating.
What are the notable exclusions for Churchill home insurance?
There were a few exclusions to Churchill home insurance’s cover. These include damage to fences, gates or hedges, as well as loss or damage if you’ve been away for more than 60 days.
How much does Churchill home insurance cost?
The price of your home insurance quote can vary dramatically from other policy holders depending on factors such as your homes value, location, security, previous claims and your deductible. Due to this it’s hard to definitively say that Churchill is cheaper or more expensive than other home insurance providers. Whilst Churchill home insurance may indeed be the cheaper option for some policy seekers, it may also be a more expensive option for others.
What extras are offered from Churchill home insurance?
With Home Insurance, you can protect your personal items outside the home, such as your mobile phone, laptop, and jewellery. You can choose the amount of cover you need, starting from £2,500. This also includes:
- Cover in the UK and up to 60 days worldwide
- Limit for each individual item of £2,000
- Bicycles up to £500 per cycle
- £500 for lost or stolen money
If you need more coverage for items over £2000 in value, you can name individual items on your policy
Comparing home insurance policies
Since individual home insurance providers wont be able to offer everyone the cheapest home insurance policy, it pays to have multiple home insurance quotes to compare before committing to a policy. If you’re keen on taking out a Churchill home insurance policy it helps to have other quotes to compare it against – that’s where we can help.
Quotezone has compiled a panel of over 40 home insurance providers, making it easier than ever for you to find the best home insurance quotes.