Esure Home Insurance Review and Quotes

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Alexandre Desoutter updated on July 27, 2020

Would you like to protect your home against any damage or an unfortunate event such as a house fire or theft?

Are you wondering if Esure is the best home insurance company to protect your house?

You’ve come to the right place.

This ultimate and up-to-date review on Esure home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.

Is Esure the best insurance company for you?

Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.

At Safe, we’ve studied in detail Esure's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,4 Safe overall rating for Esure

Safe ratingOur opinion
Customer service & satisfaction
and claims

24/7 emergency helpline available
300 000 uk residents insured with Esure
Rated top quality by Defaqto
Many contact numbers to call and well documented website
Average TrustPilot rate

Cover provided for your home

Extras such as family protection, pest cover or home emergency available
No limit in sum insured for building insurance
Up to £200 000 as maximum sum insured for contents insurance
High compensation amounts
One level of cover only
Unoccupancy period cover of only 30 days
Money or credit card not covered

Value for money

Affordable home insurance rates
Discounts if you bundle building and home insurance (and even more if you also go for a travel policy)
NCB up to 5 years
Cancellation fees of £58 the first period of cover, adjustment fees of £20

Financial strength

High, Esure Insurance Limited is covered by the UK Financial Services Compensation Scheme (FSCS)
Esure belongs to the Esure Group which also owns Sheila's Wheels
Its home insurance is underwritten by esure Insurance ltd


100% online quote and claim process
My Account portal allowing to manage policies fully online

Safe rating for Esure home insurance

Expert and customer satisfaction reviews for Esure home insurance

Review organisationEsure home insurance reviews

Defaqto expert
defaqto 5 stars
Trustpilot3,5/5 based on more than 8300 consumers reviews
Overall Which? Score


Consumer satisfaction rates on reviews for Esure home insurance

Our general opinion on Esure home insurance

Esure is underwritten by Esure Insurance Ltd, also owning Sheilas' Wheels and Gocompare. The company was founded in 2000 and mainly provides insurance services over the phone.
Esure provides one level of cover for both building and contents home insurance. Although maximum sum insured limits are good in both policies, they are not among the most popular plans of the market.
Esure does not cover cash kept at home or outside. The company also only provides 30 days of unoccupancy period which is one of the smallest period cover provided when you left your home unoccupied to go on holidays for instance.

However, Defaqto expert rating considers Esure as a top quality insurer. Customers reviews on Trustpilot are average. Esure is well known for providing affordable cover.

Claim and quote process is 100% manageable online with your customer portal My Account. But you also have a wide range of phone lines to call in case you need to speak to a counsellor.

What does Esure home insurance cover?

What is more important than protecting your home – the roof under which you sleep with your loved ones?

Applying for home insurance at Esure will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).

Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.

Home insurance at Esure covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Esure buildings and contents insurance

Esure provides three main types of household insurance:

  • Buildings insurance
  • Contents and personal possessions insurance
  • Combined policy

Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.

Good to know

If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.

Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.

Good to know

House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.

In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.

You will find below policy details for building and contents insurance:

Esure building insuranceLimits
Maximum sum insured


Owner liability

£2 000 000

Alternative emergency accomodation

£75 000

Period of home's unoccupancy cover

30 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

As standard

Gradual build-up of groundwater

Not covered


As standard

Underground services

As standard

Keys cover

£1 000

Flood and storm damage (except for fences)

As standard

Esure building insurance

Good to know

Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).

Let’s have a look now at Esure contents insurance limits:

Contents insuranceLimits
Maximum sum insured

£200 000

Owner liability

£2 000 000

Alternative emergency accomodation

£15 000

Period of home's unoccupancy cover

30 days

Damage made by pets

Not covered

Contents kept in garden

£2 000

Contents kept in outbuildings (garage included)

£200 000

Thefts from outbuildings

£2 000

Single item limit for valuables

£1 500

Items temporarily removed from home

£7 000

Money in and outside the homeInside:

Not covered


Not covered

Credit cards in and outside the homeInside:

Not covered


Not covered

Business equipment kept at home

£10 000

Student equipment

£5 000

Keys cover

£1 000

Esure contents insurance

Esure home insurance additional cover

On top of your Esure buildings and contents insurance, you can find additional cover such as:

Home insurance additional cover
Accidental damage cover

Available as extra

Home emergency
  • Optional extra
  • Up to £500 TTC per claim for materials, labour costs and call out charges, £250 for emergency accommodation
  • Free for the first 12 months with both building and contents insurance purchased at the same time
  • Esure arranges a meeting with a contractor and takes care of everything until emergency repairs are done.
Boiler cover
  • Part of the home emergency optional extra
  • Up to £500 for boiler repair
  • Boiler replacement not covered
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees for you and your family and £10 000 if it is an employment dispute
  • Free for the first 12 months with combined building and contents insurance purchased at the same time
  • NCD not affected
Personal possessions
  • Optional extra
  • Up to £10 000 for personal possessions cover, in or away from home
  • Up to £750 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover (and the £10 000 limit)
Bicycle cover
  • Part of the personal possessions cover (and the £10 000 limit)

Esure home insurance excess

The deductible you'll have to pay in case of claims are as described below:

For both building and contents insurance
Excess for standard claims£125
Excess for escape water claims£450
Excess for subsidence claims£1 000
Excess for personal possessions£125
Excess for keys£125
Esure home insurance main excess

Esure home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Esure fees are as follows:

Fees applied to manage your Esurehouse policy
Interests on payment installments28,70%
To renew my policy£0
To adjust my policy£20,0
To duplicate documents£0
To cancel my policy during cooling-off period£20
To cancel my policy outside cooling-off period£58
For payment default£0
To switch from one insurer to EsureNot covered
Home insurance fees at Esure

How much does Esure home insurance cost?

You will below indicative quotes for building and contents insurance at Esure:

Building insuranceContents insurance
Home coverBuilding: £250 000
Contents: £20 000
Personal items: £4 000
Building: £500 000
Contents: £50 000
Personal items: £8 000
Home insurance quotes at Esure

It is very difficult to give a precise range of how much exactly will your home insurance cost at Esure as it will mainly depend on:

  • The insurance you apply for (building, contents, combined insurance, extras)
  • Your address
  • Your claim record
  • The insured value of your home and of your personal belongings, etc.

Esure will establish a risk rate, taking into account all these elements, and offer you a price based on it.

The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.

Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.

Esure home insurance discounts available

Discount is given for buying combined policy.

How do I a claim on Esure home insurance?

There are two ways to claim at Esure. It is either you claim online through the customers portal section of the company's website Or by making a phone call.

You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.

How to claim on Esure home insurance?
Claim online

Claim form

Claim by phone

0345 601 7072

How to claim on my home insurance at Esure

Good to know

If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.

How can I cancel Esure house insurance?

To cancel your Esure house insurance, here is what you need to know:

Cancelling your home insurance at Esure
Cancellation notice if Esure cancel your policy7 days
Cancellation feesFees during cooling-off period: £20
Fees outside cooling-off period: £58
Cancel online

You can use the esure online form to cancel your policy.

Cancel by phone

0345 045 8000
Mon – Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm

How to cancel my Esure home insurance

How to contact Esure home insurance?

ServicesPhone numbersOpening hours
Customer service

0345 601 7074

Mon - Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm

Quotes and sales

0345 045 8000

Mon - Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm

Renewal Hotline

0345 601 7079

Mon - Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm

Payment queries

0345 045 8000

Mon - Fri: 8am – 8pm
Sat: 9am – 5pm
Sun: 9am – 2pm

Home insurance claims

0345 601 7072


How to contact Esure home insurance

Esure home insurance contact details

Esure contact details
Esure address

The Equinox
19 Cadogan Street
Glasgow G2 6QQ

Customer service email

Not available

Chatbot available


Esure contact details

How do I log in to Esure customer portal?

You can log in to your customer portal My Account at Esure.
The customer portal at Esure will allow you to fully manage your policy online:

  • see your documents
  • claim
  • manage your policy, make changes
  • manage your NCD etc.

Go on the esure website with your policy number. You will be able to connect to My Account entering both your policy number and your password. If you've forgotten your password, just click on the "forgot your password?" button and follow the whole process to reset one.

How do I get Esure home insurance quotes?

To get a quote online at Esure, it couldn’t be simpler.

You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If Esure is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.

To get Esure home insurance quotes, you will need to provide:

  • Your personal information: ID, age, phone number and job
  • Your address and postcode
  • Your homeowner record (claims included)
  • Your home description (type of property, the date it was built, how many square metres inside and outside)
  • Your property related status: do you own it, rent it, have a mortgage on it, etc.
  • Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.

The types of questions you will be asked are typically:

  • Are you a first-time buyer?
  • Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
  • Has the property ever been damaged by flood?
  • Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.

5 tips to reduce your Esure house insurance quote

  • Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
  • Increase the excess amount you are willing to pay in case you make a claim.
  • Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
  • Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
  • Consider index-linked cover for building insurance to follow prices of building materials.
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Alexandre Desoutter

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications.

In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms.

As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.