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Home Emergency Cover, Home and Landlord Home Insurance 2025

Rachel Springall, Press Officer
Rachel Springall, Press Officer / Finance Expert 01603 476210 Email Rachel
11/12/2024

A stellar year for the Home Insurance, Home Emergency Cover and Landlord Home Insurance Star Ratings 2025

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2025 for Home Insurance, Home Emergency Cover and Landlord Home Insurance.

  • There were 95 Five-Star, 37 Four-Star and 22 Three-Star Ratings awarded for buildings cover with 95 Five-Star, 33 Four-Star and 23 Three-Star Ratings for contents cover, down on the previous year as the number of products in the home insurance market fell overall. Over 140 fields of information were collected per policy.
  • For home emergency cover the number of products overall fell from the previous year with 84 Five-Star, 37 Four-Star and 36 Three-Star Ratings awarded for 2025 from the 40-plus fields of information collected per product.
  • For landlord home insurance, with over 120 fields of information collected to assess the level of buildings and contents cover, there were 25 Five-Star, 19 Four-Star, and 15 Three-Star Ratings

The products awarded Five-, Four- or Three-Star Ratings offer the most comprehensive range of standout features and competitive limits, which set them apart from the rest of the market.

Moneyfacts has been analysing data for 35 years, with the instantly recognisable Moneyfacts badge of quality helping inform consumers when comparing home insurance, home emergency cover and landlord home insurance.

Nine out of 10 people agree that a Star Rating from an independent and impartial company could influence their decision in considering taking out a Financial Services product.* (*Source: Moneyfacts Group Plc, Star Ratings survey 11/2022-01/2023).

A stellar year for the Home Insurance, Home Emergency Cover and Landlord Home Insurance Star Ratings 2025

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2025 for Home Insurance, Home Emergency Cover and Landlord Home Insurance.

  • There were 95 Five-Star, 37 Four-Star and 22 Three-Star Ratings awarded for buildings cover with 95 Five-Star, 33 Four-Star and 23 Three-Star Ratings for contents cover, down on the previous year as the number of products in the home insurance market fell overall. Over 140 fields of information were collected per policy.
  • For home emergency cover the number of products overall fell from the previous year with 84 Five-Star, 37 Four-Star and 36 Three-Star Ratings awarded for 2025 from the 40-plus fields of information collected per product.
  • For landlord home insurance, with over 120 fields of information collected to assess the level of buildings and contents cover, there were 25 Five-Star, 19 Four-Star, and 15 Three-Star Ratings

The products awarded Five-, Four- or Three-Star Ratings offer the most comprehensive range of standout features and competitive limits, which set them apart from the rest of the market.

Moneyfacts has been analysing data for 35 years, with the instantly recognisable Moneyfacts badge of quality helping inform consumers when comparing home insurance, home emergency cover and landlord home insurance.

Nine out of 10 people agree that a Star Rating from an independent and impartial company could influence their decision in considering taking out a Financial Services product.* (*Source: Moneyfacts Group Plc, Star Ratings survey 11/2022-01/2023).

FOR THE FULL LIST OF 2025 AWARDED PRODUCTS – PLEASE CLICK HERE FOR HOME INSURANCE, HERE FOR HOME EMERGENCY COVER AND HERE FOR LANDLORD HOME INSURANCE.

 

FOR THE FULL LIST OF 2025 AWARDED PRODUCTS – PLEASE CLICK HERE FOR HOME INSURANCE, HERE FOR HOME EMERGENCY COVER AND HERE FOR LANDLORD HOME INSURANCE.

 

Samantha Owens, Star Ratings and Personal Finance Analytics Manager at Moneyfacts, said:

“The Moneyfacts Annual Star Ratings for home insurance, home emergency and landlord home insurance cover look at all the product features available and rate them based on the levels of cover available, along with the most comprehensive range of features. This allows customers searching for the best product to focus their attention on those that stand out from the rest of the market, allowing them to filter to a product that fits their exact needs.

“With finances stretched, cutting back on insurance could be seen as a choice but ensuring buildings and possessions have the best cover if the worst happens is more essential than ever, and the Moneyfacts Annual Star Ratings aim to help in this search.”

 

Samantha Owens, Star Ratings and Personal Finance Analytics Manager at Moneyfacts, said:

“The Moneyfacts Annual Star Ratings for home insurance, home emergency and landlord home insurance cover look at all the product features available and rate them based on the levels of cover available, along with the most comprehensive range of features. This allows customers searching for the best product to focus their attention on those that stand out from the rest of the market, allowing them to filter to a product that fits their exact needs.

“With finances stretched, cutting back on insurance could be seen as a choice but ensuring buildings and possessions have the best cover if the worst happens is more essential than ever, and the Moneyfacts Annual Star Ratings aim to help in this search.”

 

Numerous features are considered when assessing the ratings, and some of these include:

Numerous features are considered when assessing the ratings, and some of these include:

Home insurance

Home insurance

  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Valuables single item limits
  • Legal expenses
  • Personal possessions cover
  • Money and card cover
  • Set-up, adjustment, renewal and cancellation fees
  • Voluntary excess discount
  • No claims discount options
  • 24-hour emergency helpline
  • Alternative accommodation
  • Owner/occupier personal liability
  • Subsidence cover
  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Valuables single item limits
  • Legal expenses
  • Personal possessions cover
  • Money and card cover
  • Set-up, adjustment, renewal and cancellation fees
  • Voluntary excess discount
  • No claims discount options
  • 24-hour emergency helpline
  • Alternative accommodation
  • Owner/occupier personal liability
  • Subsidence cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Mobile phones cover
  • Home emergency cover
  • Home emergency repair guarantee
  • Keys cover
  • Freezer cover
  • Deeds and documents cover
  • Residential care cover
  • Students cover
  • Gift cover
  • Business equipment cover
  • Pedal cycles cover
  • Special events
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Mobile phones cover
  • Home emergency cover
  • Home emergency repair guarantee
  • Keys cover
  • Freezer cover
  • Deeds and documents cover
  • Residential care cover
  • Students cover
  • Gift cover
  • Business equipment cover
  • Pedal cycles cover
  • Special events

Home emergency cover

Home emergency cover

  • Emergency cover limit per claim
  • Emergency cover excess
  • Plumbing cover
  • Burst pipes cover
  • Blocked drains cover
  • Toilet unit cover
  • Boiler breakdown cover
  • Annual boiler service

 

  • Emergency cover limit per claim
  • Emergency cover excess
  • Plumbing cover
  • Burst pipes cover
  • Blocked drains cover
  • Toilet unit cover
  • Boiler breakdown cover
  • Annual boiler service

 

  • Roof damage cover
  • Domestic power supply cover
  • Internal gas supply pipe cover
  • Water supply pipe cover
  • Home security cover
  • Lost keys cover
  • Vermin infestation cove
  • Alternative accommodation cover

 

  • Roof damage cover
  • Domestic power supply cover
  • Internal gas supply pipe cover
  • Water supply pipe cover
  • Home security cover
  • Lost keys cover
  • Vermin infestation cove
  • Alternative accommodation cover

 

Landlord home insurance

Landlord home insurance

  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Legal expenses
  • 24 hour emergency helpline
  • Alternative accommodation
  • Property owner's liability
  • Employer's liability
  • Rent guarantee cover
  • Loss of rental income
  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Legal expenses
  • 24 hour emergency helpline
  • Alternative accommodation
  • Property owner's liability
  • Employer's liability
  • Rent guarantee cover
  • Loss of rental income
  • Theft by tenant cover
  • Malicious damage cover
  • Unauthorised alterations cover
  • Subsidence cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Home emergency cover
  • Home emergency repair guarantee
  • Key cover
  • Theft by tenant cover
  • Malicious damage cover
  • Unauthorised alterations cover
  • Subsidence cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Home emergency cover
  • Home emergency repair guarantee
  • Key cover

Notes to editors

Pioneering financial comparison technology for over 35 years.

Moneyfacts Group plc is the UK’s leading provider of retail financial product data. Used by virtually every bank and building society in the UK, and supplied to the Bank of England, Financial Conduct Authority, Financial Ombudsman Service, HM Treasury, Prudential Regulatory Authority and UK Finance.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, business banking, life, pension and investment products in the UK.

Moneyfacts’ Star Ratings highlight the best quality financial products available based on an assessment of all their features and criteria. Moneyfacts Star Ratings logos act as an independent and impartial badge of approval and help customers easily spot which are the better deals to help them make important decisions with confidence.

The growing range of products currently assessed includes:

  • Personal Current Accounts
  • Personal Credit Cards
  • Business Current Accounts
  • Business Credit Cards
  • SIPP and SSAS
  • Equity Release
  • Home Insurance
  • Home Emergency Cover
  • Car Insurance
  • Travel Insurance
  • Pet Insurance
  • Private Medical Insurance
  • Unsecured Personal Loans
  • Landlord Home Insurance
  • Commercial Mortgage.

 

The growing range of providers currently assessed includes:

  • Savings Easy to Open

 

For more information about us please see our key facts.

To link to our website please use moneyfactsgroup.co.uk.

Broadcast

Our broadcast suite enables our finance experts to appear in-vision for television, and we regularly comment live on national and regional radio.

To arrange an interview for radio or television, please contact our press department. We have an in-house broadcast room.

 

Notes to editors

Pioneering financial comparison technology for over 35 years.

Moneyfacts Group plc is the UK’s leading provider of retail financial product data. Used by virtually every bank and building society in the UK, and supplied to the Bank of England, Financial Conduct Authority, Financial Ombudsman Service, HM Treasury, Prudential Regulatory Authority and UK Finance.

Our expert research team monitors the thousands of mortgages, savings, credit card, personal loan, business banking, life, pension and investment products in the UK.

Moneyfacts’ Star Ratings highlight the best quality financial products available based on an assessment of all their features and criteria. Moneyfacts Star Ratings logos act as an independent and impartial badge of approval and help customers easily spot which are the better deals to help them make important decisions with confidence.

The growing range of products currently assessed includes:

  • Personal Current Accounts
  • Personal Credit Cards
  • Business Current Accounts
  • Business Credit Cards
  • SIPP and SSAS
  • Equity Release
  • Home Insurance
  • Home Emergency Cover
  • Car Insurance
  • Travel Insurance
  • Pet Insurance
  • Private Medical Insurance
  • Unsecured Personal Loans
  • Landlord Home Insurance
  • Commercial Mortgage.

 

The growing range of providers currently assessed includes:

  • Savings Easy to Open

 

For more information about us please see our key facts.

To link to our website please use moneyfactsgroup.co.uk.

Broadcast

Our broadcast suite enables our finance experts to appear in-vision for television, and we regularly comment live on national and regional radio.

To arrange an interview for radio or television, please contact our press department. We have an in-house broadcast room.

 

Contact Us If you're looking for extra comment, a chart or more information, then please give us a call. We are always more than happy to help.
Rachel Springall Press Officer / Finance Expert
Caitlyn Eastell Apprentice Press & PR Assistant