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Yes, generally if you're over 60 you can expect to pay less for your home insurance compared to younger homeowners. But this is dependent on your personal circumstances.
Our data shows that over 60s pay around £39 less annually for their home insurance than younger homeowners*.
Average cost for over-60s
£161
Average cost for under-60s
£200
*Based on Confused.com data, January - March 2024. The average combined buildings and contents home insurance policy for over 60s was £160.73. Those below the age of 60 paid an average of £199.89 for the same type of policy.
**Single annual policy. New and former Paramount+ subscribers only who sign up at ParamountPlus.com. Subscription required. Auto-renews unless cancelled. 18+. Just Eat website account required, geographical exclusions apply. One regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply
To get a home insurance quote you'll need to tell us a few things, this should only take a few minutes:
You should be able to find this on your mortgage survey or home buyer's report. If you can't find it, we'll estimate it for you.
Tell us whether you've claimed on your home insurance in the last 5 years. If you have, the information should be on your renewal documents. If you can't find them, contact your previous home insurance provider.
Tell us what security devices you have if any, as well as the types of locks your house has. If you aren't sure what type you have, you can use the pictures we include in our quote form to identify them.
Your mortgage valuation report or a surveyor's report would highlight this, you can also find this on the deeds. If you have none of these, we'll help you calculate the rebuild cost of your home when you get a quote.
If you need help valuing your contents, you can get an estimate using our contents calculator.
For example, if it's slate, tile or thatched. We'll also need to know if you have a flat roof covering any part of your property.
There are a number of ways you can reduce what you pay:
Don't settle for your auto-renewal price without shopping around first. Comparing quotes with websites like Confused.com could help you save money when buying your home insurance policy.
Increasing your voluntary home insurance excess - the amount you pay towards a claim - could see your costs come down. Only choose an amount you can afford to pay though, in the event of a claim.
Insurers charge interest if you decide to pay monthly, meaning a higher overall cost. If you can afford to, it's always cheaper to pay for your home insurance annually.
Make sure you have the right amount of cover. Overestimating the cost of replacing your contents can lead to you paying more than you need to for insurance. Optional extras can offer more cover, but removing them if you don't need them, could bring your costs down.
But it's also important not to under insure, which could leave you out of pocket if you underestimated the value of your home and contents. You can use our contents calculator to get an idea of the value of your possessions.
Having a burglar alarm system, and changing to more secure locks can reduce the risk of being burgled and help keep your home insurance costs down.
Optional extras for over 60s policies can also be available when buying standard home insurance. Some may already be included in your policy, or they may be added for an extra cost.
Get extra cover for individual items in your home that are worth over £1,000. Items exceeding the single item limit might not be covered by your standard contents insurance policy.
This add-on can provide cover for sudden or emergency issues affecting your health or safety. For example, if a broken boiler leaves you without heat or hot water.
Accidental damage cover protects you from unexpected and unintentional damage. It's available for both contents and buildings insurance. Contents accidental damage covers things like carpets, furniture and fixtures. Accidental damage for buildings insurance covers the structure of your home itself.
Legal expenses cover can pay for any legal costs relating to your home. This includes any legal disputes with your neighbours or tradespeople. It can also cover employment disputes.
This can insure your belongings when you take them out of the home. This can include things like laptops, phones or expensive jewellery such as watches and wedding or engagement rings.
If your home suddenly becomes uninhabitable, your insurer will help you find somewhere to stay and cover the costs.
Buying over 60s cover can often come with a range of benefits you don't normally see on a standard home insurance policy.
Depending on the policy you buy and the provider you decide to go with, these can include:
There are specialist providers who only offer insurance to over 60s, such as Saga. This means you might have a wider range of insurers to choose from.
It's entirely your choice, you aren't limited to these specialist policies - you can still buy a standard policy, and you might pay less than younger homeowners.
When you get a quote, we'll show you prices from both specialist and standard insurers. So you can be sure you're making the right choice and getting the best price available to you.
We're not owned by any insurance company, so we'll always show you our best available prices no matter who they're from.
We offer quotes from specialist over 60s providers as well as the UK's leading and trusted companies.
96% of our customers would also recommend us on Reviews.io.
Choose a reward when you buy home insurance with us. You can choose from 4 great rewards**, including a free hot drink from Greggs every month.
‘’We have a range of specialist home insurers for over 60s. These could be a good option as some often include more extras and benefits compared to standard home insurance.
"Whether you choose a specialist policy or not, you should still see better prices than lower age groups. This is due to many factors including having more experience with home ownership. We can show you quotes from up to 76 companies to help you get the best insurance for your needs.’’
Our collection of UK home insurance statistics for 2023, such as average UK home insurance costs, UK home insurance market share and property insurance claim statistics.
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Page last reviewed: 02 May 2024
Reviewed by: Matthew Harwood
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