With the festive season in full swing, the hot chocolates brewing, and the fire crackling, there is not a better time to watch some of the nation’s favourite Christmas films.

But have you ever wondered amongst the chaos, laughter and romance, how much these iconic homes would be to insure in reality? Chris King, Head of Home Insurance at comparethemarket.com shares his insight* into some of the most recognised homes you’ll see this Christmas.

*All expert opinion is purely speculative and based solely on the fictional homes listed. To provide the estimated figures, we’ve based the locations of the houses in the UK.

Elf – Walter Hobb’s Apartment

Key Info:
Upper West Side Manhattan
A typically very expensive area
Multi-apartment block

Total Cost of Insurance (if policies were purchased separately) £184.21
Building Insurance £77.58
Contents Insurance £106.63
Key Features Apartment in a multi-storey building residing in a notoriously expensive area
Number of Rooms 6

Cost of insurance for film based houses

“Location is key when it comes to your home insurance. AsWalter Hobb’s apartment is located in what is perceived as a very nice part of Manhattan, New York, where crime rates are likely to be relatively low, the insurance premiums should therefore be less. It is also likely that Walter Hobb’s will have made the apartment safe with top-of-the-range security systems, plus the building most likely has a doorman, increasing security even more and hence potentially reducing premiums.

The contents of the home itself however is another factor that can increase home insurance. With expensive furniture, artwork and jewellery located in the book publisher’s home, premiums are likely to go far above average.”

Home Alone – The McAllister’s Family Home

Key Info:
Chicago suburb
Detached three storey-house covering 4,250 square feet

Total Cost of Insurance (if policies were purchased separately) £447.59
Building Insurance £230.29
Contents Insurance £217.30
Key Features Detached three-storey house covering 4,250 square feet
Number of Rooms 12

Cost of insurance for film based houses

“Located in the suburbs of Chicago in a seemingly low-crime rate town means the McAllister’s family home should be pretty cost-effective to insure. However, if insurers were to visit the property after the showdown between Kevin and Harry and Marv (the two burglars known as the Wet Bandits), premiums are sure to skyrocket. The house also doesn’t look to have many security measures in place, with it being incredibly easy for the burglars to gain access through the living room window –making sure windows are locked could be crucial if they came to claim because if there’s no signs of a break-in some insurers would not look favourably on a claim.”

The Holiday – Iris’ Home

Key Info:
Situated in Shere, Surrey
One bedroom cottage

Total Cost of Insurance (if policies were purchased separately) £195.81
Building Insurance £92.78
Contents Insurance £103.03
Key Features One-bedroom detached cottage in the countryside
Number of Rooms 3

Cost of insurance from film based homes

“Iris’s cottage is in a very remote and rural setting and looks to be at a low risk of flooding, which will help keep home insurance costs down, however Iris would need to ensure the cottage’s pipes are insulated as frozen pipes bursting in the middle of winter could be a big risk. With brick walls, and a standard tiled roof, this also makes the property a lot easier to insure, as opposed to obscure forms of construction. The space itself is quite small, and the contents of the home seem generally inexpensive. One potential risk that insurers could pick up on is the remote location which could mean a higher risk of theft"

A Christmas Carol – Scrooge’s Home

Key Info:
Situated in central London
Multiple bedrooms / not hugely lived in

Total Cost of Insurance (if policies were purchased separately) £268.51
Building Insurance £152.48
Contents Insurance £116.03
Key Features Detached town house located in the city-centre
Number of Rooms 8

Cost of insurance from film based houses

“Centrally located in London, home insurance rates are likely to cost more than the UK average. There is also a general lack of security in Ebenezer Scrooge’s home, not due to the ghosts of past, present and future who turn up, but because his home is in an era where electronic safety measures did not exist. The house itself is quite bare, and while the few contents included in the home are likely to be a tad more expensive, they still won’t amount to much. As a solid detached house, insurers would find it difficult to fault and therefore home insurance costs are likely to be reasonable.”

It’s a Wonderful Life: The Bailey’s Home

Key Info:
Suburban USA
Deemed “drafty old house”

Total Cost of Insurance (if policies were purchased separately) £527.94
Building Insurance £352.28
Contents Insurance £175.66
Key Features Suburban detached house
Number of Rooms 10

Cost of insurance from film based houses

“As George Bailey himself states, the family home is a ‘drafty old house’ which is sure to send alarm bells to insurers. The house itself is located in a low-risk area, however inside is another matter entirely. With the Bailey’s home looking dishevelled, and factors such as the staircase railings looking as if they’re near collapse, insurers, when measuring the physical state of the property, will mark it in red meaning the premiums are sure to be higher.

The house is also not secure, meaning rates will also be higher, although the contents insurance is unlikely to be as expensive. Overall the Bailey’s should expect a high insurance bill, the highest in fact against its fellow Christmas house competitors.”

Compare home insurance

Get a quote in seconds and start saving

Get a quote