There is no legal requirement to have home insurance, but there are some situations where you may be asked if you have it.
There is no legal requirement to have home insurance. However, your mortgage provider or landlord (if you're renting) may specify that you must have a buildings or contents insurance policy.
Your mortgage provider may specify that you have a buildings insurance policy in order to get a mortgage.
Landlords may require tenants liability cover which is generally provided as part of your contents insurance.
For more information about home contents and buildings insurance, find out what we cover.
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0330 102 3627
If you need help securing your home, call our Home Emergency number: 0800 300 684
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Monday to Friday 8am to 8pm
Saturday 9am to 5pm
Sunday 9am to 4pm