Post Office Home Insurance Review and Quotes

antoine fruchard Antoine Fruchard  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 Post Office 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 Post Office 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 Post Office 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 Post Office’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

3,6 Safe overall rating for Post Office

Safe ratingOur opinion
Customer service & satisfaction
and claims

UK call centre available 24/7
Silver level of cover rated 4 stars, Gold rated 5 stars
Best online Home & Contents provider award by Moneyfact’s (2017)
 Covers detailed on HomePage
Low customers reviews and average Which score

Cover provided for your home

 Silver level of cover: up to £200K alternative accommodation for building insurance
Up to £20 000 for personal possessions limit at home (optional extra)
Accidental damage to entertainment equipment included as standard
Building insurance not covering sewer pipe blockage and groundwater
Contents insurance not covering items temporarily removed from home

Value for money

Affordable rates
No discounts stated on website nor NCD
 No switching fees refund
Admin fees
Charges on monthly payments

Financial strength

Post Office Management Services Limited is authorised and regulated by the FCA
Home insurance administered by BISL limited (part of the BGL Group: Comparethemarket, Budget, Beagle street etc.)


Claim form available online
 Twitter and Facebook presence
Customer portal available
 No livechat available

Safe rating for Post Office home insurance

Expert and customer satisfaction reviews for Post Office home insurance

Review organisationPost Office home insurance reviews

Defaqto expert

Silver: 4 stars
Gold: 5 stars

Trustpilot1,7/5 based on 63 customers reviews
Which? Score

56% for building insurance
59% for contents insurance

Consumer satisfaction rates on reviews for Post Office home insurance

Our general opinion on Post Office home insurance

Post Office is one of the most famous high street names providing all sorts of insurance and banking services.The company offers 2 levels of cover for home insurance, Silver, rated 4 stars by Defaqto and Gold, rated 5 stars.

The Silver cover is poorly rated by Which. The plan gives access to average features and benefits for both building and contents insurance although you can get up to £200 000 for alternative accommodation under building insurance policy. Blockage of sewer pipe cover is not included in the Silver plan (but is in the Premier) unlike many other policies. Same for graduit build-up of groundwater. The contents insurance does not cover items temporarily removed from home but cover accidental damage made to home entertainment equipment as standard. The Premier level of cover for building insurance also provides unlimited alternative accommodation cover and up £30 000 for valuable items limit.

The company is well-known for providing interesting value for money deals. Rates are competitive. However, the Post office company also applies all sorts of admin fees as well as renewal fees which quickly increase the total cost of your home insurance at the end of the year. Post Office has low customers reviews on Trustpilot. Claim process can be tedious. There have been complaints regarding rates.

What does Post Office 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 Post Office 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 Post Office covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.

Post Office buildings and contents insurance

Post Office 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.

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.

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:

Post Office building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

£200 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£5 000

Burst pipe

As standard

Blockage of sewer pipe

Not covered

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

Post Office building insurance

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

£80 000

Owner liability

£2 000 000

Alternative emergency accomodation

£15 000

Period of home’s unoccupancy cover

60 days

Damage made by pets

Not covered

Contents kept in garden

£2 000

Contents kept in outbuildings (garage included)

£2 500

Thefts from outbuildings

£2 500

Single item limit for valuables

£2 500

Items temporarily removed from home

£10 000

Money in and outside the homeInside:



£750 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:

£1 000


£1 000 (under personal possessions cover – optional extra)

Business equipment kept at home

£3 000

Student equipment

£2 500

Keys cover

£1 000

Post Office contents insurance

Post Office home insurance additional cover

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

Home insurance additional cover
Accidental damage cover

Accidental damage to home entertainment equipment available as standard in both covers

Home emergency
  • Optional extra
  • Up to £1 000 per call out
  • Up to £300 for emergency accommodation (1 night)
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1 000 for boiler repair
  • Boiler replacement not covered
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £20 000 for personal possessions cover at home
  • Up to £20 000 for single item limit away from home
  • Up to £20 000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £1 500 limit
Bicycle cover
  • Optional extra
  • Up to £2 500 limit

Post Office 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£100
Excess for escape water claims£350
Excess for subsidence claims£1 000
Excess for personal possessions£100
Excess for keys£100
Post Office home insurance main excess

Post Office home insurance fees and NCD

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

Fees applied to manage your Post Officehouse policy
Interests on payment installments23,70%
To renew my policy£10
To adjust my policy£10,0
To duplicate documents£0
To cancel my policy during cooling-off period£20
To cancel my policy outside cooling-off period£35
For payment default£28
To switch from one insurer to Post OfficeNot covered
Home insurance fees at Post Office

How much does Post Office home insurance cost?

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

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 Post Office

It is very difficult to give a precise range of how much exactly will your home insurance cost at Post Office 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.

Post Office 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.

Post Office home insurance discounts available

No discount available.

How do I a claim on Post Office home insurance?

Claims can be made by phone or through the ageas claim form online.

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 Post Office home insurance?
Claim online

Claim form

Claim by phone

For policies starting before 01/10/2019: 0345 073 1005
For policies starting after 01/10/2019: 0345 165 0915

How to claim on my home insurance at Post Office

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

How can I cancel Post Office house insurance?

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

Cancelling your home insurance at Post Office
Cancellation notice if Post Office cancel your policy7 days
Cancellation feesFees during cooling-off period: £20
Fees outside cooling-off period: £35
Cancel by mail

Post Office
20 Finsbury Street, London EC2Y 9AQ

Cancel by phone

0333 4439 850

How to cancel my Post Office home insurance

How to contact Post Office home insurance?

ServicesPhone numbersOpening hours

0333 44 39 848

Mon-Fri 8am-8pm
Sat 9am-5pm
Sun 10am-4pm


For policies starting before 01/10/2019: 0345073 1005
For policies starting after 01/10/2019: 0345 165 0915

Mon – Sun: 8.30am and 5.30pm

Customer service for policies bought on or after 1st October 2019

Bought on or after 1st October 2019: 0333 44 39 850
Bought before 1st October 2019: 0330 018 4082

Mon to Fri: 8am – 8pm
Sat: 9am – 5pm
Sun & Bank Holidays: 10am – 4pm

Family legal protection and emergency

0800 032 9806


Home emergency

0800 032 9806


How to contact Post Office home insurance

Post Office home insurance contact details

Post Office contact details
Post Office address

Post Office Management Services Limited Finsbury Dials,
20 Finsbury Street,
London, EC2Y 9AQ

Customer service email

[email protected]

Chatbot available

Not available

Post Office contact details

How do I log in to Post Office customer portal?

You can log in to your customer portal on the website to access and manage your policy documents:

How do I get Post Office home insurance quotes? 

To get a quote online at Post Office, 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 Post Office 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 Post Office 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 Post Office 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.