Which? Home insurance providers and policies we recommend
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Nov 19, 2025 Discover the best home insurance policies for 2025 as experts reveal top recommendations. Learn about the surprising claims acceptance rates, with one-third of claims partially accepted or disputed. Find out why NFU Mutual and Tesco Insurance made the cut, balancing high cover and affordability. Explore common claim types like storm and accidental damage, plus tips to reduce premiums effectively. Get insights into the scoring criteria for Best Buy policies, ensuring you choose the right coverage for your needs.
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Claims Often Aren't Straightforward
- One third of recent home insurance claims were partially accepted, rejected, or disputed by providers.
- This shows claims outcomes vary widely and not all insurers handle claims equally.
Accidental Damage Is Common But Often Excluded
- Accidental damage was the most common reason for claims yet is often sold as an add-on.
- Many buyers omit it, leaving them exposed when DIY or sudden incidents occur.
Storm Claims Pay More But Face More Rejection
- Storm-related claims (wind, heavy rain, hail) averaged higher payouts but were rejected more often.
- Storm claims had an average payout of £1,500 and an 18% rejection rate.