Over 50s home insurance

  • Compare over 50 leading UK home insurance providers
  • Get multiple free quotes in minutes
  • Find the right cover for you at the best price
  • Buildings and contents insurance options

Get cheap home insurance quotes

Over 50s home insurance provides protection for your buildings and contents against fire, theft and natural disasters. Available through UK insurance providers and specialist over 50 insurance companies, home insurance for over 50, 60, 70 or 80 year olds can be cheaper compared to similar cover for younger home owners.

If you are ready to compare over 50 home insurance quotes, our online comparison service will help you compare some of the UK’s leading buildings and contents insurance providers.

Alternatively, if you want to understand more about how building and contents insurance works, the benefits and how much cover you might need, the following guides will help.

Compare home insurance quotes

Our comparison service is free, quick and easy to use - 51% of customers paid £201*. Through our partnership with Quotezone, you can compare buildings and contents insurance with over 50 different companies – including Legal and General, Royal Sun Alliance, Endsleigh, Swinton and Hastings Direct.

Compare quotes

Guide to over 50 home insurance

What is Home Insurance?

Home insurance is comprised of two elements. Buildings and contents insurance:

Buildings insurance covers the structure of the building, for example the walls, roof and floor. It also covers permanent fixtures and fittings such as kitchens and bathrooms.

Contents Insurance covers your personal belongings and the things you keep in your home such as your clothes, furniture and electrical goods.

Think about it this way. If you imagine turning your house upside down and shaking it, everything that fell out would come under your contents insurance cover and everything that remained intact would be covered by your buildings insurance.

If you own your own home, you will need to have buildings insurance in place as part of your mortgage agreement. Unfortunately there are no such requirements for contents insurance which is why some people get caught out.

Depending on your requirements, you can choose to get an individual quote for either buildings or contents insurance or a combined quote for both.

Compare quotes

What are the benefits of over 50s home insurance?

Although over 50s home insurance is generally the same cover as home insurance for all ages, it is typically cheaper and can offer additional benefits. Specialist over 50 insurers such RIAS, Age UK - now known as Age Co and Saga home insurance offer additional features specifically aimed at older homeowners and retirees.

For example, over 50s can benefit from extended ‘unoccupied home’ cover to cater for longer holidays, or protection for medical equipment that may be on loan or cover for a carer’s belongings.

And although the cost of home insurance is on the rise, according to the Consumer Intelligence Home Insurance Price Index, over 50s can still benefit from lower home insurance bills.

Why is home insurance for over 50 year olds cheaper?

Home insurance is cheaper for over 50 years olds for a number of reasons. Firstly over 50s are less likely to claim and if they do, the cost of the claim tends to be smaller and more conservative compared to younger claimants who may exaggerate the amount they are claiming for.

Older homeowners are also considered a safer option as they are viewed as being more financially secure and security conscious. Plus they are typically at home more frequently giving burglars less opportunity and capable when it comes to maintaining the home. 

How can I get cheaper over 50s home insurance?

Over 50 home insurance may be cheaper than insurance for younger homeowners but there are still ways you can reduce the price you pay. Comparing home insurance quotes across a range of insurance providers can help you find the best deal -  choosing the right level of cover at the best price.

Here are some things to look out for when comparing over 50 home insurance:

  • Watch out for additional costs if paying in instalments.  Paying for your buildings and contents insurance in full is usually the cheapest option in the long run.
  • Look at the excess.  Some insurers give you the option to increase your excess (the amount you pay for a claim) in order to reduce the premium.
  • Combine buildings and contents insurance as it can lead to cheap home insurance.  You may be offered a discount for having both services with the same insurer.
  • Protect your no claims bonus. 
  • Limit your risk of claiming by increasing your security.  
  • Don’t over insure – it is important to ensure you have sufficient buildings and contents cover but having too much may unnecessarily inflate the amount you pay.

Remember though, cheap home insurance quotes may not always be the best so make sure you read the details.

How to choose the best home insurance quotes

To choose the best home insurance for over 50 year olds, you can either use a comparison service like the one provided by our partners Quotezone, or perhaps GoCompare or MoneySuperMarket or go direct to a specific home insurer.

A benefit of using a comparison service like ours is that it will automatically compare home insurance quotes with a range of leading UK insurers.

It is also helpful to read home insurance reviews before choosing a particular company to check that existing customers are happy with the service they provide. 

Compare home insurance quotes

*51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

Did you find this information helpful?

We work with

First Choice Health
Age Partnership

How this site works

Our aim is to provide you with clear and accurate information to help you research your chosen financial products and services. The material on this site is for general information only and does not constitute any form of advice or recommendation.

If a link has an * by it, it means it is an affiliated link to an insurance company or broker that may result in a payment to the site. Should you use the equity release calculator, speak to an Age Partnership adviser and take out a plan out using their services, we receive a commission, however this will not affect the price you pay.

Also, from time to time you may see advertisements from third party companies who pay us a fee to advertise their services on our site.

None of the above arrangements constitute advice or recommendations, as other products and companies are available. You should always obtain independent, professional advice for your own situation.

The information provided on this site is accurate at the date of publication, occasionally however, things will change before we have had the opportunity to update them, so please do check. Always do your own research and take independent advice.

We do not investigate the solvency of any company mentioned on our website and are not responsible for the content on websites we link to.

Over50choices is an independent company and regulated by the FCA (No.594280) for insurance products only and a member of the Equity Release Council.