Is it illegal not to have home insurance?

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.

Mortgage providers

Your mortgage provider may specify that you have a buildings insurance policy in order to get a mortgage. 

Landlords

Landlords may require tenants liability cover which is generally provided as part of your contents insurance.

More information

For more information about home contents and buildings insurance, find out what we cover.

You can also get in touch using one of the options below.

Contact us

Email or call

home@morethan.com

Please include your policy number, name and personal contact information and for security reasons, please don't send payment information via email. We’ll respond to your message within 24 hours, Monday to Friday.

Please note that charges may apply if you call from your mobile phone. Calls may be recorded and monitored.

0330 100 7823

Monday to Friday, 8AM to 8PM | Saturday, 9AM to 5PM | Sunday, 9AM to 4PM.

BUILD: MASTER