Review: Sainsbury's Home Insurance

James Alston By James Alston

Key Policy Features

  • Home emergency policy included as standard with the Premier policy
  • Up to £100,000 contents cover and unlimited buildings cover on the Premier policy
  • £25 Sainsbury’s voucher when you take out a combined buildings and contents policy


Sainsbury’s is one of the UK's biggest supermarket chains and it has been offering insurance since it established Sainsbury’s Bank in 1997.

The bank offers a range of products, including car, life, travel, pet and home insurance. Its home cover consists of buildings, contents, and combined buildings and contents insurance.

See if Sainsbury’s features on our list of the top 10 home insurance policies.

Overview of Sainsbury’s Bank Home Insurance

Sainsbury’s offers two levels of home insurance - a standard Home Insurance policy and a Premier Cover Home Insurance policy.

They offer up to 35% off if you buy direct from them online with a Nectar card and they will double your Nectar points on shopping and fuel for two years if you take out a new combined buildings and contents Premier Cover policy from them online.

Sainsbury’s Home Insurance policy offers:

  • Up to £50,000 contents cover
  • Up to £1 million buildings cover
  • Up to £25,000 for alternative accommodation and kennel fees to cover pets
  • Cover for loss or theft of keys as standard
  • Up to £1,000 for garden contents
  • Up to £10,000 for student belongings
  • Optional extras include Home Emergency, Contents Accidental Damage, Family Legal Protection, Personal Possessions cover and Buildings Accidental Damage

Sainsbury’s Premier Cover Home Insurance offers:

  • Up to £100,000 contents cover
  • Unlimited buildings cover
  • Up to £50,000 for alternative accommodation and kennel fee cover for pets
  • Cover for loss or theft of keys as standard
  • Up to £2,500 garden contents
  • Up to £10,000 student belongings
  • All optional extras are included as standard in Premier Cover

Make sure you read the policy documents before you buy an insurance policy. It's important to find out if there are any exclusions that relate to your personal circumstances. For example, Sainsbury's Household Removal cover does not include valuable items such as china or bicycles.

You can find Sainsbury's insurance policies on its website along with useful information such as what it classifies as valuable items: jewellery; watches; furs; items, sets, or collections of gold, silver or other precious metals; works of art; and sets of stamps, coins, or medals.

Sainsbury’s Bank home insurance is underwritten by U K Insurance Limited.

What does Sainsbury’s Bank Home Insurance cost?

A range of factors will affect the cost of your home insurance, including where you live, the value of your contents and the number of bathrooms and bedrooms in the property.

You can get a quote from Sainsbury's website or find out about the average cost of home insurance here.

For most claims on Sainsbury's home cover there is a £200 excess as standard, although you can select your excess between £50 and £500. The higher the excess the cheaper your monthly or annual premium will be.

Liability claims come with a higher excess.

What the customers say about Sainsbury's Bank Home Insurance

On, Sainsbury’s Home Insurance scores 1.7 out of 5 from 12 reviews.

On, Sainsbury’s Home Insurance is not reviewed, but Sainsbury’s Bank is. From 52 reviews it has received a 3.87 out of 5.

Similarly, on, Sainsbury’s Bank has a score of 2.4 out of 10 from 24 reviews.

What the experts say about Sainsbury's Bank Home Insurance

Which? have award Sainsbury’s home insurance a total score of 67%. Which?’s scores are based on the company’s customer service, their handling of queries and complaints, their value for money, their score from customers, and their separate scores on buildings and contents insurance.

Financial services review site Fairer Finance ranks Sainsbury’s home insurance 22nd out of 48 providers and awards it a bronze ribbon.

Independent financial researcher Defaqto has rated both Sainsbury’s Home Insurance and Sainsbury’s Premier Cover Home Insurance as 5 Star.

A Star Rating indicates where a product sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy is “an excellent product” which has “a comprehensive range of features and benefits”.

This article was independently written by Bought By Many. We were not paid to write it, but we may receive commission for sales that result from you clicking on a link to one of our partners.

More like this:

Best Landlord Insurance 2017

Whether you’re taking your first steps into the buy-to-let market or you’re shopping around for a...

  • by Phoebe McCrostie

Best Home Insurance for Bikes

If you buy the cheapest insurance available, it might not always be the best. Some insurers are ...

  • by David Woodfield