Sainsbury's 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 Sainsbury's 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 Sainsbury's 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 Sainsbury's 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 Sainsbury's’s home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.

4,3 Safe overall rating for Sainsbury's

Safe ratingOur opinion
Customer service & satisfaction
and claims

Home and HomePlus both rated 5 stars by Defaqto
High customer reviews

Cover provided for your home

Average cover in overall for both building and contents insurance
Up to £10k trace and access cover with standard policy
Maximum sum insured of £1M for both levels of cover

Value for money

Available NCD
Discounts for Nectar members
10% of customers paid £110 or less
No discount for buying combined building and contents policy
Switching fees not refund

Financial strength

Sainsbury’s Home Insurance is underwritten by U K Insurance Limited


Customer portal app available
Claim process 100% manageable online

Safe rating for Sainsbury's home insurance

Expert and customer satisfaction reviews for Sainsbury's home insurance

Review organisationSainsbury's home insurance reviews

Defaqto expert

Home: 5 stars
HomePlus: 5 stars

Trustpilot4,2/5 based on 4,776 customers reviews
Which? Score

66% for building insurance
59% for contents insurance

Consumer satisfaction rates on reviews for Sainsbury's home insurance

Our general opinion on Sainsbury's home insurance

In 1997, Sainsbury was the first supermarket to open a bank. The company now also offers a wide range of financial and insurance products.

Sainsbury’s offers two levels of cover for your home: Home and HomePlus, both rated 5 stars by Defaqto.

Sainsbury’s home insurance is highly rated by customers although cover provided in both standard and comprehensive plan is average. The maximum sum insured for both building and contents insurance, and with both levels of cover can not go up to £1M.
However, the Sainsbury’s app available allows anyone to fully manage his home insurance policy online (including reporting a home insurance claims).

In the HomePlus level of cover, home emergency and family legal protection available as optional extras in the standard level of cover, are included as standard.

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

Sainsbury's buildings and contents insurance

Sainsbury's 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:

Sainsbury's building insuranceLimits
Maximum sum insured

£1 000 000

Owner liability

£2 000 000

Alternative emergency accomodation

£50 000

Period of home’s unoccupancy cover

60 days

Repairs guarantee period

1 year

Trace and access

£10 000

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

£750 – £1500 (optional)

Flood and storm damage (except for fences)

As standard

Sainsbury's 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

£75 000

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)

£3 000

Thefts from outbuildings

£3 000

Single item limit for valuables

£2 000

Items temporarily removed from home

£10 000

Money in and outside the homeInside:



£500 (under personal possessions cover – optional extra)

Credit cards in and outside the homeInside:



£500 (under personal possessions cover – optional extra)

Business equipment kept at home

£5 000

Student equipment

£5 000

Keys cover

£750 – £1500 (optional)

Sainsbury's contents insurance

Sainsbury's home insurance additional cover

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

Home insurance additional cover
Accidental damage cover

Optional extra

Home emergency
  • Optional extra
  • Up to £1000 limit per call out
  • Up to £250 limit for emergency accommodation
Boiler cover
  • Part of the home emergency optional extra
  • Up to £1000 for boiler repair
  • Up to £500 for boiler replacement
Legal protection
  • Optional extra
  • Up to £50 000 for expert lawyers fees
Personal possessions
  • Optional extra
  • Up to £10 000 for personal possessions cover at home
  • Up to £15 000 for single item limit away from home
  • Up to £1 000 limit for personal possessions kept in a car
Mobile cover
  • Part of the personal possessions cover
  • Up to £10 000 limit
Bicycle cover
  • Part of the personal possessions cover
  • Up to £10 000 limit

Sainsbury's 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
Sainsbury's home insurance main excess

Sainsbury's home insurance fees and NCD

To manage your policy, renew, cancel or modify it, Sainsbury's fees are as follows:

Fees applied to manage your Sainsbury'shouse policy
Interests on payment installmentsVaries
To renew my policy£0
To adjust my policy£0 / £15 by phone
To duplicate documents£0
To cancel my policy during cooling-off period£0
To cancel my policy outside cooling-off period£25
For payment default£0
To switch from one insurer to Sainsbury'sNot covered
Home insurance fees at Sainsbury's

How much does Sainsbury's home insurance cost?

You will below indicative quotes for building and contents insurance at Sainsbury's:

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 Sainsbury's

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

Sainsbury's 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.

Sainsbury's home insurance discounts available

No discount available.

How do I a claim on Sainsbury's home insurance?

You can make claim at Sainsbury by calling the claim management team and supply any requested information. You can also report home insurance claims through Sainsbury’s customer portal.

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 Sainsbury's home insurance?
Claim online

You can report a claim on your home insurance by logging in to your customer portal accessible via the landing page.

Claim by phone

0345 877 6919

How to claim on my home insurance at Sainsbury's

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

How can I cancel Sainsbury's house insurance?

To cancel your Sainsbury's house insurance, here is what you need to know: 

Cancelling your home insurance at Sainsbury's
Cancellation notice if Sainsbury's cancel your policy7 days
Cancellation feesFees during cooling-off period: £0
Fees outside cooling-off period: £25
Cancel by phone

0345 266 1604

How to cancel my Sainsbury's home insurance

How to contact Sainsbury's home insurance?

ServicesPhone numbersOpening hours

0800 206 1965

Mon – Fri: 8am – 6pm
Sat: 9am – 2pm

Emergency helpline

0800 206 1966


Customer hotline

0800 206 1965

Mon – Fri: 8am – 6pm
Sat: 9am – 2pm

Legal helpline

0800 206 1968


Cancel your policy

0345 266 1604

Mon – Fri: 8am to 8pm
Sat: 9am to 5pm.

How to contact Sainsbury's home insurance

Sainsbury's home insurance contact details

Sainsbury's contact details
Sainsbury's address

Sainsbury’s Store Support Centre
33 Holborn

Customer service email

Contact form

Chatbot available

Not available

Sainsbury's contact details

How do I log in to Sainsbury's customer portal?

You can log in to your customer portal on the website to access your documents, update details, view your home insurance cover.

How do I get Sainsbury's home insurance quotes? 

To get a quote online at Sainsbury's, 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 Sainsbury's 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 Sainsbury's 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 Sainsbury's 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.