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Discover how landlord insurance works and the best landlord insurance providers based on policies and customer reviews. Cheap mobile phone insurance. Find out what mobile phone insurance covers, how much it costs and if it's worth buying a mobile phone insurance policy.

Related guides in Which? Buying a home. How to buy a house The cost of buying a house Finding the best place to live. All 14 guides. Moving house. Moving house checklist How to choose the best removals company Packing and preparing to move house. All 3 guides. To ensure you have the right cover, it's worth having a precise idea of how much you need to insure.

Find out the rebuild price of your property this will be lower than the value. The Association of British Insurers provides a free-to-use calculator to help you estimate this. The same goes for the combined cost of your contents. Our contents calculator can help you tally up the value of your possessions.

One way to reduce the price of your insurance is to increase your voluntary excess. But be mindful that this is a comprise, and effectively reduces your cover. When choosing your excess, consider how much of a claim you could comfortably afford to pay yourself. Not all of us live in 'typical' circumstances or conventional properties. If your home has a thatched roof, a history of subsidence or is of unusual construction you may need to stray off the beaten track to find reasonably-priced cover.

There are insurers and brokers that specialise in particular types of risk - so it's worth including them in your search. The British Insurance Broker's Association's website has a 'Find Insurance' tool and a helpline for this purpose.

You can find more tips on getting cheap home insurance in our guide. The top-scoring providers will be awarded Which? Recommended Provider status, if they have met certain conditions:. This list, ranked by total score, contains only those home insurers we were able to rate for both policies and customer experience.

Therefore a number of insurers aren't included. If you're not already a member, join Which? Table notes: Customer score data based on a survey of 1, policyholders who have recently made a home insurance claim between November and December Policy scores are based on the provider's standard policy.

Customer score is calculated using a combination of overall satisfaction and the likelihood of recommending the provider. Insurers must have a minimum sample size of 30 for inclusion in the table. Recommended Providers for car insurance in The customer score is based on a survey of 1, claimants, and are worked out using a combination of overall satisfaction and customers' likelihood of recommending their insurer.

You'll only know how good an insurer's customer service really is when you have to make a claim. That's when good insurers will show their ability to deal with problems, quickly process your claim and arrange replacements or repairs as soon as possible. The policy score is our assessment of the quality of standard cover, comparing 47 elements of a buildings insurance policy and 66 elements of a contents insurance policy.

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Find out what your credit score means, and the services that allow you to check it for free. In Insurance. Home insurance explained.