Home Insurance

Home insurance is an umbrella term used to describe any insurance that covers your home. So Home Insurance can mean Contents Insurance and Buildings Insurance, but also Tenants Liability Insurance and Landlords Insurance.

With Urban Jungle Home Insurance, you can choose whether you need Contents Insurance, Buildings Insurance, Buildings & Contents Insurance, or Landlords Insurance.

Our policies are flexible so you’ll only pay for the cover you need, and you can choose if you want it to be monthly or annual!


                    Bird house.

Landlord Insurance


                    Bird house.

Home insurance is an umbrella term used to describe any insurance that covers your home. So Home Insurance can mean Contents Insurance and Buildings Insurance, but also Tenants Liability Insurance and Landlords Insurance.

With Urban Jungle Home Insurance, you can choose whether you need Contents Insurance, Buildings Insurance, Buildings & Contents Insurance, or Landlords Insurance.

Our policies are flexible so you’ll only pay for the cover you need, and you an choose if you want it to be monthly or annual!

What is Home Insurance?

When you’re being offered a Home Insurance quote, sometimes it can be confusing to know exactly what “Home Insurance” means.

Home Insurance is a term that does what it says on the tin: it’s insurance for your home. There are a few different types of Home Insurance, though, so you’ll want to get the best Home Insurance for your situation.

There are three main types of home insurance: Buildings Insurance, Contents Insurance, and Buildings & Contents Insurance (a combination of the two!).

A broken window

What is Buildings Insurance?

Buildings Insurance is designed to cover the cost of repairing the structural parts of your home should the unexpected happen. So that means things like the walls, windows, and the roof of your home could be covered by Buildings Insurance. Permanent fixtures like fitted kitchens and bathrooms can also be covered.

So, if you’re wondering, is Buildings Insurance the same as Home Insurance? Well, Home Insurance just means any insurance that applies to your home. So, yes buildings insurance is a type of Home Insurance, but it’s not the only type!

If you’re looking for a policy that just covers the structural parts of your home and not your contents, you might be looking for Buildings Only Insurance.



A set of 3 keys

What is Contents Insurance?

Contents Insurance is a type of Home Insurance. Contents Insurance policies are designed to cover your stuff in your home. It covers things like your phone, jewellery, bikes, or even your sofa. You can think of your contents as all the things you would pack up and take with you if you were to move home.

Contents Insurance is sometimes known as Home Renters Insurance because renters typically only need to cover their contents in their homes, not the structure too - this is usually down to landlords.

A broken window

What is Buildings Insurance?

Buildings Insurance is designed to cover the cost of repairing the structural parts of your home should the unexpected happen. So that means things like the walls, windows, and the roof of your home could be covered by Buildings Insurance. Permanent fixtures like fitted kitchens and bathrooms can also be covered.

So, if you’re wondering, is Buildings Insurance the same as Home Insurance? Well, Home Insurance just means any insurance that applies to your home. So, yes Buildings Insurance is a type of Home Insurance, but it’s not the only type!

If you’re looking for a policy that just covers the structural parts of your home and not your contents, you might be looking for Buildings Only Insurance.

A set of 3 keys

What is Contents Insurance?

Contents Insurance is a type of Home Insurance. Contents Insurance policies are designed to cover your stuff in your home. It covers things like your phone, jewellery, bikes, or even your sofa. You can think of your contents as all the things you would pack up and take with you if you were to move home.

Contents Insurance is sometimes known as Home Renters Insurance because renters typically only need to cover their contents in their homes, not the structure too - this is usually down to landlords.

What type of Home Insurance do I need?

The Home Insurance you need depends on your living situation and what you want to be covered.

If you’re a renter the structural parts of your home generally won’t be your responsibility to cover - that’s normally up to your landlord. In that case, if you’re looking for home insurance, contents insurance is an option for you.

If you’re a homeowner you’ve got more options, but it will depend on your circumstances what cover is right for you - it could be buildings, contents, buildings and contents, or even landlords cover. Quite often when you’re getting a mortgage there will be rules to have a certain type of insurance in place, so it’s a good idea to check this. If you’re a leaseholder of a flat in a block you usually won’t need to get buildings insurance, that’s often up to the freeholder.

What does Home Insurance cover?

What your Home Insurance covers depends on the policy you get, but here are some of the things a home insurance policy could cover you for. So if you’re wondering “does home insurance cover storm damage?”, you’re in the right place.

Home Insurance policy would usually cover you for loss or damage to your building or contents because of…

What’s not covered by Home Insurance?

So what are the things that can’t be covered by home insurance? Again, it depends on the specific policy you have, but here are some of the more common features that aren’t included in our Home Insurance cover:

  • Wear and tear
  • Mechanical or electrical faults
  • Loss or damage when your home isn’t occupied for over 30 consecutive days
  • Damage to fences from storms or leaks
  • Wear and tear
  • Mechanical or electrical faults
  • Loss or damage when your home isn’t occupied for over 30 consecutive days
  • Damage to fences from storms or leaks

Do I need Home Insurance?

Unlike car insurance, there aren’t any laws that mean you need to have home insurance. But, if you want to cover your home, your belongings, or even both, you might want to get a home insurance policy. A home insurance policy might suit you if you’re a…

Homeowner

If you own a home and something unexpected happens to the building or your belongings (or both), home insurance could cover you - so you won’t be out-of-pocket for the repairs or replacements. You’ll want to consider, should the worst happen, if you’d be able to cover the costs. In many cases, having home insurance in place can be a condition of getting a mortgage as well, so you may find you need to get home insurance in order to buy your home.

Renter and/or flat-sharer

Do you need home insurance while renting? It’s a good question. As a renter, you’ll usually only be responsible for the contents of your home, not the building. So, if you’re looking for home insurance to cover your belongings, then you might want to get Contents Insurance. Urban Jungle Contents Insurance is designed specifically with renters in mind, and getting a quote only takes 2 minutes.

Student

As a student, getting insurance might not be the first thing on your mind. But your things are probably worth more than you think - and replacing them without Contents Insurance could cost quite a bit. If you’re curious about how much your stuff could cost our contents calculator can make a quick estimate for you.

Landlord

As a landlord it’ll generally be up to you to arrange cover for the building you own and your tenants live in. For that, you’ll often want to get Buildings Insurance cover. On top of normal home insurance, you can also get more specialist Landlords Insurance.

Homeowner

If you own a home and something unexpected happens to the building or your belongings (or both), home insurance could cover you - so you won’t be out-of-pocket for the repairs or replacements. You’ll want to consider, should the worst happen, if you’d be able to cover the costs. In many cases, having home insurance in place can be a condition of getting a mortgage as well, so you may find you need to get home insurance in order to buy your home.

Renter and flat-sharer

Do you need home insurance while renting? It’s a good question. As a renter, you’ll usually only be responsible for the contents of your home, not the building. So, if you’re looking for home insurance to cover your belongings, then you might want to get Contents Insurance. Urban Jungle Contents Insurance is designed specifically with renters in mind, and getting a quote only takes 2 minutes.

Student

As a student, getting insurance might not be the first thing on your mind. But your things are probably worth more than you think - and replacing them without Contents Insurance could cost quite a bit. If you’re curious about how much your stuff could cost our contents calculator can make a quick estimate for you.

Landlord

As a landlord it’ll generally be up to you to arrange for cover for the building you own and your tenants live in. For that, you’ll often want to get Buildings Insurance cover. On top of normal home insurance, you can also get more specialist Landlords Insurance.

How much is Home Insurance?

A purse with money poking out of it

Home insurance won’t cost the same for everyone - it depends on what policy you need. According to ABI, the average cost of Buildings Insurance in the UK is £225 per year, £114 for Contents Insurance, and £307 for Buildings & Contents Insurance.

If you’re looking for a Buildings Insurance policy and wondering, “how much does home insurance cost?” then it will depend on how much it would cost to rebuild your home.

If you’re looking for a Contents Insurance policy? Then the main factor will be the value of all your belongings. If you’re not sure how much that is, you can check out our contents calculator for help!

If you’re looking for a Buildings & Contents Insurance policy? Then you guessed it! It’ll be based on a combination of both the rebuild cost of your property and the value of your contents.

Home insurance won’t cost the same for everyone - it depends on what policy you need. According to ABI, the average cost of Buildings Insurance in the UK is £225 per year, £114 for Contents Insurance, and £307 for Buildings & Contents Insurance.

If you’re looking for a Buildings Insurance policy and wondering, “how much does home insurance cost?” then it will depend on how much it would cost to rebuild your home.

If you’re looking for a Contents Insurance policy? Then the main factor will be the value of all your belongings. If you’re not sure how much that is, you can check out our contents calculator for help!

If you’re looking for a Buildings & Contents Insurance policy? Then you guessed it! It’ll be based on a combination of both the rebuild cost of your property and the value of your contents.

A purse with money poking out of it

Customise your cover

Accidental Damage for Contents

Contents accidental damage covers sudden and unexpected damage to your contents, such as spilling a drink and staining your carpet. It won’t cover damage to your building.

Accidental Damage for Buildings

Having Accidental Damage Buildings Insurance covers you if there is unexpected and unintentional damage to your building. An example could be if you put your foot through the attic roof. For more information, you can read ‘What is Accidental Cover on home insurance?’.

Legal Expenses Cover

Wondering, “do I need legal cover on home insurance”? If you’re involved in a legal dispute, it could cover you with advice and representation - including free access to a legal helpline. For example, you can be covered for legal costs due to employment disputes, disputes with neighbours, or identity theft.

Home Emergency Cover

Home Emergency cover is designed for unexpected events. If there needs to be immediate action to prevent further damage to your home or to make it possible for you to stay there, our Home Emergency add-on could cover it. It could include the costs to call out a contractor and their charges for any work they do or materials they use.

Business equipment Cover

Business equipment cover is for equipment that is owned by a business where you are a Company Director. It can also cover portable business equipment for theft or accidental damage out of the home in the UK, and for up to 60 days worldwide.

Pet Damage Cover

Does home insurance cover pet damage? With pet damage cover on your home insurance, your contents are covered against accidental damage within the home caused by your pet. It won’t cover vet bills, costs associated with any liability issues caused by your pet, or any claims under the £300 excess for pet damage cover.

Why choose Urban Jungle for Home Insurance?

We make insurance that is fair, simple and created for the times we live in. We know you’ve got a million and one things you’d rather be doing, so we’re making it easy to get clear and trusted cover so you get back on with your life.

Clear, fair prices

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Home Insurance starts from just £5 a month, or £60 a year. So if you’re looking for insurance during term time, our monthly policies might suit you better than traditional insurers’ annual ones.

Covered in minutes

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We want to make things as quick and easy as possible, no baffling questions, just a few simple details – we won’t ask how flat your roof is!

Tweak your package

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Design your Home Insurance policy to suit you. Add the coverage you need, take off what you don’t and make changes whenever you need online for free.

Here’s how it works

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Give us a few details

Just 5 quick and easy questions about your current setup. No unnecessary questions from us.

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Customise your package

Create a policy to suit your needs, like adding Home Emergency Cover. Never pay for cover you don’t need.

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Relax. You’re covered

You’re all set! Need to make a change? Update your policy or cancel online for free 24/7.

Get covered

Here when you need us

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Need a hand or got a question? No problem. Our team of experts are here to help on live chat or by phone. Or take a look at our FAQs.

Our FAQs Get in touch

Not quite right? Find the policy that’s right for you.

Urban Jungle’s Landlord Insurance policy is administered by Uinsure and underwritten by a panel of insurers including Ageas, AXA, RSA, UK General and Zurich.