Tesco home insurance

Edinburgh-based Tesco home insurance is a subsidiary of Tesco. Its insurance policies are backed by another Tesco company, Tesco Underwriting.

Tesco offers a range of financial services, including buildings insurance, contents insurance and combined home insurance policies.

We compare up to 79 insurers, including quotes from Tesco home insurance. When you compare home insurance quotes with us, we match your requirements against the insurer's criteria, to see if they'll offer you a quote. This means you may or may not get a quote from Tesco home insurance.

You can find out more about Tesco home insurance below, or if you're ready to start comparing use the quote button to get started.

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Why choose Tesco home insurance?

Unlimited buildings cover as standard
Discounts for Clubcard members
Alternative accommodation cover included

Who is Tesco Insurance?

Edinburgh-based Tesco home insurance is a subsidiary of Tesco. Its insurance policies are backed by another Tesco company, Tesco Underwriting.

Founded as Tesco Personal Finance in 1997 by Tesco and the Royal Bank of Scotland. Tesco bought out RBS’s share in 2008.

What types of policies does Tesco home insurance offer?

Unlike many providers, Tesco home insurance doesn’t come in various grades of cover.

Instead, it simply offers buildings insurance and contents insurance, which can be purchased separately, or a combined home insurance policy that merges the two.

Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying home insurance, we recommend you check the cover and benefits included.

What does Tesco buildings insurance cover?

Tesco buildings insurance covers the actual structure of your home, i.e. the roof, walls and floors.

It include:

Rebuild cover
Repairs guarantee
Alternative accomodation cover
Trace and access cover
Personal liability cover

Rebuild cover: Tesco home insurance gives you unlimited cover to repair or rebuild your home if it has been destroyed or damaged in a way that’s covered by your policy. This includes outbuildings and walls around the edge of your land.

Fixtures and fittings cover: If any of your home’s permanent fixtures are damaged or destroyed, Tesco will cover the cost of repair or replacement. This includes things like built in kitchens, wardrobes, showers and baths.

Repairs guarantee: The insurer will provide a one-year guarantee for any home repairs carried out by its approved builders.

Alternative accommodation cover: If you need to move out of your home until it is made inhabitable, the insurer will pay up to £50,000 towards alternative accommodation. This cover incudes your pets.

Trace and access cover: Tesco home insurance will pay up to £5,000 towards the cost of detecting and repairing leaks caused by burst pipes.

Personal liability cover: If someone sues you as a result of damage to their property or personal injury, the insurer will cover your legal costs up to £2,000,000.

What does Tesco contents insurance cover?

Contents insurance covers the contents within your home.

Like their buildings insurance, Tesco Insurance's contents cover policies also come with a range of benefits:

£75,000 of cover as standard: This covers any personal possessions you have in your home, including TVs, laptops, jewellery and more. High value items will also be covered as standard.

Accidental damage cover for electricals: Tesco will cover accidental damage - including drops and drink spills - to TVs, laptops, tablets and more.

Downloads: The insurer will cover the cost of replacing lost downloads stored on home entertainments equipment, including mobile phones, up to £2,000.

Unoccupied house insurance: Providing your home isn’t unoccupied for more than 60 days you’re covered under the standard terms of the policy.

Garden contents insurance: The insurer will pay up to £1,500 towards the loss of items within your property boundaries, such as a garden. Up to £2,500 may be paid for loss of plants and lawns through theft.

Freezer food cover: If your freezer fails resulting in the contents being spoiled, the insurer will cover the cost or replacing your food up to £1,000.

Personal possessions cover for students: If a member of your family is a student staying in university accommodation, Tesco will cover their contents for up to £5,000.

Home insurance legal cover: As with buildings cover, the limit to cover on or by third party claims is £2,000,000.

Tesco home insurance optional extras

Tesco also offers a range of add-ons and cover extentions that allow you to tailor your policy to your needs.

For an additional fee you can add on:

Personal possessions cover for items you carry with you or wear when you are away from home. Cover for your bicycles while away from home is also available.

Accidental damage buildings cover giving you an extra level of protection if your home is accidentally damaged in a way not already covered by your policy. Be aware, there are exclusions though. Always check your policy documents to see exactly what you’re covered for.

Home emergency cover, giving you 24/7 cover for a range of home emergencies.

Extended accidental damage cover for contents, protecting items that are not insured as standard.

Family Legal Guard, covering you and your family if you either need to mount a legal defence or pursue a personal injury case. You’ll also have access to a legal helpline.

What Tesco Insurance customers say:

“Had recent enquiry to make re my home insurance. Was easy to get through to on the phones. (Less than a minute). Staff member was very helpful and resolved everything quickly”

Ando - Tesco Insurance home insurance customer (December 2024)

Tesco Insurance scores a 4.6 out of 5 rating
based on 2736 reviews as of 23/12/2024

Contact Tesco Insurance

If you want to contact Tesco home insurance, you can reach them via their website.

Or, to reach them by phone, call 0345 246 2904.

Tesco Insurance is a trading name of Tesco Personal Finance Ltd which is authorised and regulated by the Financial Conduct Authority (firm reference no. 186022).