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Home Emergency Cover, Home and Landlord Home Insurance 2026

Caitlyn Eastell, Apprentice Press & PR Assistant
Caitlyn Eastell, Press & PR Executive 01603 476169 Email Caitlyn
10/12/2025

A stellar year for the Home Insurance, Home Emergency Cover and Landlord Home Insurance Star Ratings 2026

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2026 for Home Insurance, Home Emergency Cover and Landlord Home Insurance.

  • There were 85 Five-Star, 37 Four-Star and 22 Three-Star Ratings awarded for buildings cover with 86 Five-Star, 34 Four-Star and 23 Three-Star Ratings for contents cover. Over 140 fields of information were collected per policy.
  • For home emergency cover the number of products overall fell from the previous year with 85 Five-Star, 34 Four-Star and 26 Three-Star Ratings awarded for 2026 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 21 Five-Star, 19 Four-Star, and 19 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, Financial Services online consumer survey 2/25).

A stellar year for the Home Insurance, Home Emergency Cover and Landlord Home Insurance Star Ratings 2026

Moneyfacts is pleased to announce the Moneyfacts Annual Star Ratings 2026 for Home Insurance, Home Emergency Cover and Landlord Home Insurance.

  • There were 85 Five-Star, 37 Four-Star and 22 Three-Star Ratings awarded for buildings cover with 86 Five-Star, 34 Four-Star and 23 Three-Star Ratings for contents cover. Over 140 fields of information were collected per policy.
  • For home emergency cover the number of products overall fell from the previous year with 85 Five-Star, 34 Four-Star and 26 Three-Star Ratings awarded for 2026 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 21 Five-Star, 19 Four-Star, and 19 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, Financial Services online consumer survey 2/25).

FOR THE FULL LIST OF 2026 AWARDED PRODUCTS – PLEASE CLICK HERE FOR HOME INSURANCE, HERE FOR HOME EMERGENCY COVER AND HERE FOR LANDLORD HOME INSURANCE.

FOR THE FULL LIST OF 2026 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:

“For those looking to take out cover for their homes, the Moneyfacts Annual Star Ratings for home insurance, home emergency and landlord home insurance can offer guidance towards the most complete products.  Covering polices available to new customers; the ratings assess all the product features available and then apply a star for the level of cover it offers. 

"Those products with the most comprehensive range of features will achieve the highest ratings so those looking for a policy can filter based on their specific needs and budget, ensuring they are getting the most reliable product when finances are already stretched”.

Angelique Chard, Head of Product and Distribution, at Frontier Home Insurance said:

“Moneyfacts is widely regarded as one of the most trusted and independent voices in the financial services industry, so receiving a Five-Star Rating in the 2026 Moneyfacts Home Insurance Star Ratings is a tremendous endorsement of the work we do at Frontier Home Insurance.

"These ratings are an important benchmark for the sector, providing customers with clear, unbiased assurance that they are choosing products built on transparency, fair value, and dependable protection. Achieving the highest rating reflects not only the strength of our cover but also our unwavering commitment to delivering comprehensive solutions that put customers first.”

 

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

“For those looking to take out cover for their homes, the Moneyfacts Annual Star Ratings for home insurance, home emergency and landlord home insurance can offer guidance towards the most complete products.  Covering polices available to new customers; the ratings assess all the product features available and then apply a star for the level of cover it offers. 

"Those products with the most comprehensive range of features will achieve the highest ratings so those looking for a policy can filter based on their specific needs and budget, ensuring they are getting the most reliable product when finances are already stretched”.

Angelique Chard, Head of Product and Distribution, at Frontier Home Insurance said:

“Moneyfacts is widely regarded as one of the most trusted and independent voices in the financial services industry, so receiving a Five-Star Rating in the 2026 Moneyfacts Home Insurance Star Ratings is a tremendous endorsement of the work we do at Frontier Home Insurance.

"These ratings are an important benchmark for the sector, providing customers with clear, unbiased assurance that they are choosing products built on transparency, fair value, and dependable protection. Achieving the highest rating reflects not only the strength of our cover but also our unwavering commitment to delivering comprehensive solutions that put customers first.”

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

You are welcome to use part or all of this press release, so long as we are sufficiently sourced. We would appreciate a link back to Moneyfactsgroup.co.uk.

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, 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:

  • Personal Savings Easy to Open
  • Personal Current Account Easy to Open

For more information about us please see our key facts.

 

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

You are welcome to use part or all of this press release, so long as we are sufficiently sourced. We would appreciate a link back to Moneyfactsgroup.co.uk.

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, 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:

  • Personal Savings Easy to Open
  • Personal Current Account Easy to Open

For more information about us please see our key facts.

 

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.
Adam French Head of News & Communications
Rachel Springall Press Officer / Finance Expert
Caitlyn Eastell Press & PR Executive