Key policy features
- Unlimited buildings cover and £100,000 contents insurance with the Home Insurance Plus policy
- Home emergency cover included as standard
- Accidental damage cover is covered as standard under its Plus policy
- New combined buildings and contents customers can save 35% when they buy online*
*The 35% online discount is a limited introductory offer and is for combined buildings and contents cover with no extra covers. Minimum premiums will apply, and the offer excludes SELECT. (Underwritten by UK Insurance Limited)
Direct Line started in 1985 as a telephone-only insurance service but now has an online quote form. On top of home insurance, Direct Line also covers Car, Van, Pet, and Travel . Its home insurance is underwritten by UK Insurance Limited.
Direct Line offers home insurance over the phone and online. The company does not list its policies on price comparison websites, so the only way to get a quote is directly from Direct Line. It feels that cutting out these middlemen can save customers money on their policies.
New customers who select buildings and contents policy with no extras can save 35% when buying online, although minimum premiums apply. This excludes SELECT Premier customers. The offer is introductory, so the discount will only apply when you first become a customer.
You can get a quote for home insurance at the Direct Line website. Or check out our list of the best home insurance companies.
Overview of the cover provided by Direct Line home insurance policies
There are three levels of Direct Line home cover:
Home Insurance Plus
Direct Line's standard Home Insurance policy covers building insurance up to £1m and contents up to the value of £50,000, with an emergency helpline available in the event of a claim. You can get up to £40,000 for alternative accommodation should your home become uninhabitable for a time.
Home Insurance Plus
Home Insurance Plus offers greater coverage than standard. It includes unlimited buildings cover and up to £100,000 for contents. It provides up to £500 a callout for its home emergency cover, ideal if essential parts of your home such as your heating or electrics fail. Direct Line will pay for an engineer to fix the problem under the £500 limit. It’ll also provide up to £80,000 for alternative accommodation.
Home Insurance Plus also includes accidental damage cover. If any of your household items, excluding jewellery, are damaged beyond repair or stolen, they will offer to replace them or give you cash up to the value of the items. (Cash limited to the cost of the replacement to Direct Line. Cover limits apply. Delivery available to UK mainland only.)
Select Premier is a specialist insurance premium designed for higher value homes, with the flexibility to cover single items such as antiques, fine art and jewellery under a single policy.
With Select Premier, you can get unlimited contents and buildings insurance and unlimited cover for alternative accommodation for up to 3 years. Additionally, the home emergency cover limit jumps from £500 up to £1,500 on a Select Premier policy.
How much does home insurance from Direct Line cost?
As with all insurance policies, there is no set cost for Direct Line home cover. Your premium will depend on several factors. This includes the level of cover you require, your claims history, and the age of your home.
Direct Line offers a 35% discount when new customers take out a buildings and contents policy online. This excludes SELECT Premier customers. Limited introductory offer is for combined buildings and contents cover, which excludes optional covers.
Minimum premiums apply. Excludes Select Premier. Underwritten by UK Insurance Limited.
What do Direct Line customer reviews say?
Direct Line's home insurance is rated 9.2 out of 10 based on over 880 reviews verified by reviews site Revoo (April 2021). Customers praise the ease of purchase, value for money and the clarity of the policy information.
In April 2021, it was rated 4.3 out of 5 on Trustpilot, with 65% of respondents describing their experience as ‘Excellent’. Customers typically praise the ease of the claims process. Direct Line responds quickly to most negative feedback left of the review site. Please note that this rating applies to all of Direct Line’s products, not just home insurance.
What the expert reviews say
Direct Line's Select Premier and Home insurance Plus have been given 4 stars out of 5 by independent review site Fairer Finance. It ranked 15th out of 52 providers reviewed.
We included Direct Line in our list of the best home insurance companies for 2021. We highlighted its commended customer service and high-quality product. We also noted that Direct Line is one of the few insurers to include home emergency cover as standard in its policies.