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MORE THAN home insurance

Compare quotes for MORE THAN home insurance today

Compare quotes for MORE THAN home insurance today

Why get home insurance from MORE THAN

MORE THAN’s foundations are underpinned by the desire to go the extra mile for the customer, deliver more than words and treat customers as individuals.

This thinking is reflected in the three levels of home insurance cover it offers – Essentials, Standard and Extra. These enable you to choose the level of cover that suits you and your home.

MORE THAN also offers pet and landlord insurance. Plus, it partners with Caravan Guard for caravan and motorhome insurance.

The company was set up in 2001 and is part of the RSA Group – one of the UK’s oldest and largest general insurance companies. The intention was to create a brand that brings a fresh approach to insurance, but with RSA’s heritage, expertise and tradition behind it.

Dog lovers will be pleased to know that MORE THAN has a partnership with Dogs for Good. The charity provides assistance dogs for people with a range of disabilities and children with autism, alongside community dogs in schools and social care.

How to contact MORE THAN

MORE THAN suggests that if your query about home insurance isn’t urgent you contact them via live chat or email – or check the FAQs, which have answers to many common questions.

There’s also a 24/7 claims helpline. You’ll find the details in your policy documents or in the contact us section on MORE THAN’s website.

What types of home insurance can I get with MORE THAN

Homeowners and renters can get buildings insurance and contents insurance separately or packaged together to suit their needs. You can choose from three levels of cover – see what’s included with each:



2-star Defaqto-rated home cover


4-star Defaqto-rated home cover


5-star Defaqto-rated home cover

Alternative accommodation

Finding a leak (trace and access) Up to £1,000 cover for the cost of locating and fixing a hidden leak within your home Up to £2,500 cover for the cost of locating and fixing a hidden leak within your home Up to £5,000 cover for the cost of locating and fixing a hidden leak within your home
Loss or theft of keys Up to £1,000 Up to £1,000 Up to £1,000
Fridge and freezer contents Up to £500 Up to £1,000 Up to £1,000
Special event cover x Up to £10,000 Up to £10,000
Loss of domestic heating oil or metered water x Up to £3,000 Up to £5,000
Theft from outbuildings x Up to £5,000 Up to £10,000
Money in the home x Up to £500 Up to £1,000
Matching items cover x x
24/7 home emergency cover^


Up to £1,000 per claim


Up to £1,000 per claim

Up to £1,000 per claim

Accidental damage



Personal possessions


Up to £15,000 for unspecified items


Up to £15,000 for unspecified items


Up to £15,000 for unspecified items

Legal expenses


Up to £100,000 per claim


Up to £100,000 per claim

Up to £100,000 per claim

^Must use a MORE THAN authorised tradesperson.

MORE THAN’s single-item limit is £2,000 – you must tell them about any single item worth more than this.

MORE THAN also offers home insurance add-ons, which are not already included in your level of cover, such as:

Accidental damage insurance

Covers you for unintentional damage caused to the structure of your home, your belongings or both.

Home emergency cover

Cover of up to £1,000 to help you fix power or heating failures, and repairs to your roof, plumbing or drainage systems.

Personal possessions insurance

Covers your everyday belongings like mobiles, jewellery and bags that you take out and about with you. Up to £15,000 for unspecified items.

Legal services

Get confidential advice on property disputes, employment law, consumer rights and more. Up to £100,000 per claim.

Why compare MORE THAN home insurance quotes with Compare the Market?

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[1] Correct as of December, 2023

[2] As of January 2024, Compare the Market had an average rating of 4.8 out of 5 from 38,330 people who left a review on Trustpilot. The score 4.8 corresponds to the Star Label ‘Excellent’. Find out more

What Defaqto star ratings do MORE THAN insurance policies get?

MORE THAN’s home insurance is rated:

  • Essentials – 2 star
  • Standard – 4 star
  • Extra – 5 star.

See how Defaqto works

MORE THAN has been awarded a Moneyfacts 5-star rating for its Extra buildings insurance.

How well is MORE THAN reviewed on Trustpilot?

More than had a rating of 3.9 from 15,447 reviews as of 13 November 2023.

See the latest Trustpilot ratings

Frequently asked questions

Can I cancel a policy with MORE THAN?

Yes, if you decide you don’t want your policy, you’ll have 14 days to cancel it, starting on the day you receive the policy documents, providing you haven’t made a claim.

If you cancel the policy after 14 days, MORE THAN will charge a fee of up to £25.

Who underwrites policies from MORE THAN?

MORE THAN home insurance is underwritten by Royal & Sun Alliance Insurance Ltd, which is authorised and regulated by the Financial Conduct Authority as an insurance company.

Does MORE THAN offer specialist home insurance?

No, MORE THAN doesn’t offer this cover.

Does MORE THAN offer landlord insurance?

MORE THAN provides 5-star Defaqto-rated buildings insurance for landlords. Optional extras include contents cover, home emergency cover and cover for loss of rental income.