Self-service home insurance

We all want the best quality insurance for the cheapest price possible, try us today and see how much money you could save.

What does Zen home insurance cover?

Your level and type of cover will depend on the type of policy you take out:

What is buildings insurance?

Buildings insurance covers the cost of repairing damage done to the structure of your property. This can cover everything from the pipes to the windows, the flooring to the roof. Often, gardens, pools and sheds and fences are covered too. It should cover the full rebuild cost of your property, and loss or damage caused by subsidence, fire, storms, and floods. It won’t cover general wear and tear damage, or damage brought about by poor workmanship.

Covers damage done to the structure of your property.

You won't be covered for damage brought about by poor workmanship or wear and tear.

Often compulsory if you have a mortgage

Unnecessary if you are renting

What is contents insurance?

Contents insurance covers the cost of replacing your personal possessions or valuables in your home if they are stolen, damaged, or destroyed. This will include things like furniture, electrical appliances, jewellery, clothes and more. What is exactly covered will depend on your policy, so it is worth checking before taking out a new policy.

Covers the cost of replacing personal possessions in your home if they are stolen, damaged, or destroyed.

Accidental damage isn't always included but can be added on separately - it is best to check!

Items lost or stolen outside the home aren’t always covered - you might need to take out personal possessions cover.

What is combined cover?

A combined home insurance policy will include both buildings and contents insurance, covering both your personal possessions and the structure of your home. It is the highest level of home insurance cover you can buy.

Includes the cover included in both contents and buildings insurance.

Usually cheaper than taking out two separate policies with different providers.

Do I need home insurance?

Unlike car insurance, home insurance isn’t a legal requirement. However, both buildings and contents insurance offer peace of mind that is usually worth the monthly cost. Which of the two you need will usually depend on whether you rent or own your home, and whether or not you have a mortgage.

Flexible Control, Anytime,
Anywhere

At Zen Insurance, we believe in putting you in the driver’s seat when it comes to managing your insurance. With our fully online platform, you can adjust your coverage, update personal details, or review your policy whenever it suits you—day or night, from any location.

No need for lengthy phone calls or waiting in queues. Whether you’re at home, traveling, or on the go, Zen gives you the flexibility and peace of mind to take charge of your insurance on your own terms, making it easier than ever to stay protected.

The insurance comparison service accessed through the affiliate link is provided by Quotezone, a trading style of Seopa Ltd. Seopa Ltd is authorised and regulated by the FCA; FCA FRN 313860. We are paid a fee for policies purchased, at no extra cost to you.

Understanding your door locks

Certain home insurance policies require you to be aware of the types of door locks installed in your property. Our comprehensive guide will help you identify the locks in your home and garden, ensuring you’re well-prepared.

What else does Zen offer?

Along with car insurance, you can also explore van, bike, home, pet and travel insurance to meet all your coverage needs.

Car Insurance

Drive with confidence knowing you’re covered with comprehensive car insurance. We ensure you’re safe on the road no matter where life takes you.

Classic Car Insurance

Protect your cherished classic with cover for accidental damage, theft, and agreed value—keeping your pride and joy on the road.

Van Insurance

Whether you use it for business or personal needs, our flexible van insurance policies ensure you’re always covered on the road.

Bike insurance

Compare policies that cover accidents, theft, and damage, offering peace of mind whether you’re commuting or exploring the open road.

Pet insurance

Ensure your furry friend’s well-being with pet insurance that covers vet bills, treatments, and emergencies. With flexible plans, you can focus on their care.

Travel insurance

Stay protected abroad with cover for medical emergencies, cancellations, and lost belongings—so you can travel with confidence.

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