Home insurance for a two-bedroom house or flat

Do I need buildings insurance for a two-bedroom house or flat?

It’s a good idea to have home insurance in place. Home insurance is made up of contents insurance and buildings insurance. 

Buildings insurance is a good idea if you’re a homeowner, regardless of how many bedrooms you’ve got. It gives you cover for the basic structure of your house, as well as the permanent fixtures (fixed cupboards and cabinets etc) in it. While buildings insurance isn’t compulsory, most mortgage lenders will insist you have it.   

If you’re a leaseholder, then the building might be insured by the person or company who owns the freehold. Your solicitor should be able to advise you if you need to take out buildings insurance, as it will be set out in the lease.

No matter the size of your home, if you want your possessions covered, you’ll need to take out contents insurance. This will help cover the cost of replacing or repairing your belongings, such as clothes, furniture and tech if they're stolen, destroyed or damaged. 


What if I rent a two-bedroomed home? 

If you rent, then it’s usually your landlord’s responsibility to sort out building insurance. Check the small print to make sure. Getting contents insurance is up to you. It’s a good idea if you want cover for the possessions you own inside the home. 

Will the number of bedrooms in my home affect my contents insurance?

Yes it’s very likely to because the more bedrooms you have, the more possessions you’ll probably have to insure.   

When you take out contents insurance for your home, you need to make sure your belongings are insured for the right amount, so that they’re all protected. You can do this in three ways: 

  • Opt for a sum-insured policy – you decide how much cover you need for your contents by calculating the amount the contents of your home is worth. 
  • Choose an unlimited sum-insured policy – you don’t have to worry about being underinsured because there’s no limit to the total amount that you’re covered for. 
  • Pick a policy where the insurance provider works out the contents cover based on the number of bedrooms you have, based on typical values – this is known as a bedroom-rated policy.

The third type of policy is based on average values. If you have a lot of valuable items you should check that it will give you enough total cover. As with the other policies, most insurance providers have a single item limit – the maximum they’ll pay out for an individual item. You’ll need to tell your provider about any items worth more than that limit, whichever type of policy you choose. Policies you can find through Compare the Market have a single item limit of up to £1,500.

It’s not just the number of bedrooms that can affect the cost of home insurance. Where you live, your previous claims history and how secure your home is will also affect your premium – as will any policy add-ons like legal cover.
Top tip: If you’re trying to work out whether you’ve got anything above the single item limit, don’t just think about obvious valuables like antiques and jewellery. Your fancy bit of tech that cost a small fortune, or your designer sofa might be above the £1,500 limit, too. 

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Frequently asked questions

What counts as a bedroom?

Insurance providers will count a bedroom as any room used as, or originally built to be, a bedroom – even if it’s used for other purposes. So, say you had three bedrooms and turned one into a study or dressing room, it would still count as a three-bedroom home, not a two-bedroom home.
Generally a good indication that a room can be identified and used as a bedroom is if it can fit at least a small single bed into it and it has a window, but there’s no legal requirement for this. It’s down to the individual insurance provider to say what they consider a bedroom to be.
You’ll need to check exactly what your insurance provider defines as a bedroom in your policy. Make sure you give the right information, otherwise your policy might not pay out if you need to make a claim. 

Tips for saving money on home insurance premiums for a two-bedroom house or flat

No matter how big or small your home is, you’re probably looking for advice to help you keep your home insurance premiums as low as they can be.
It can be helpful to compare quotes from insurance providers to find a great-value deal for the insurance cover you need.
If you’re keen to get buildings and contents insurance, it’s worth considering taking both policies out with the same provider. Many home insurance providers offer combined policies at a discounted rate.
Consider opting for a higher excess (the amount you’re required to pay towards the cost of any claim) to help bring down the cost of your premium, but just make sure you can actually afford to pay it.
Pay your premium in one go at the beginning of the year, rather than on a monthly basis as otherwise you’ll probably be charged interest.  

Get quotes on home insurance for a two-bedroom house or flat

Compare the Market is here to help you compare quotes to insure your two-bedroom home quickly and efficiently. Just give us a few details and we’ll show you a list of quotes from some of the UK’s best-known home insurance providers. 

How much does home insurance cost?

Get buildings and contents insurance from
a year** 
Get buildings insurance from
a year*** 
50% of consumers could save up to****

**50% of people could achieve a quote of £140.03 per year for their buildings and contents home insurance based on Compare the Market data in June 2021.
***50% of people could achieve a quote of £110.27 per year for their buildings home insurance based on Compare the Market data in June 2021.
****Based on online independent research by Consumer Intelligence during May 2021. 50% of customers could achieve this saving on their Buildings and Contents insurance through Compare the Market.

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What do I need to get a quote?

When you start a home insurance quote with us, it’s a good idea to have some basic information about your two bedroom home to hand, including: 

  • Your current home insurance policy documents 
  • Details about your property 
  • The rebuild value of your home
  • The level of cover you need 

You’ll need to answer a few questions around these points to make sure we have all the information we need to provide you with a list of suitable quotes.
The list will also show you optional extras, including accidental damage insurance. 

Chris King

From the Home team

What our expert says

“Whether your two-bedroomed property is a snug little cottage, a retirement bungalow or a sleek modern flat, home insurance can make sure you’re properly covered in case of events like fire, flood and theft.  
“With Government figures showing the average UK house price to be £237,834 in June 2020, home insurance is a cheap and effective way of protecting your investment in your property. But make sure you understand what your insurance provider considers as a bedroom – especially if you’ve converted a room into a walk-in wardrobe, playroom or study for example.” 

Why use Compare the Market?

We compare 45 home insurance brands^^  Get a quote in under 12 minutes^^^  92.4% of users would recommend Compare the Market to friends or family^^^^ 

^^Correct as of June 2021.

^^^On average it can take less than 12 minutes to complete a home insurance quote through Compare the Market based on data in November 2020.
^^^^For the period 1st March to 31st May 2021, 9,781 people responded to the recommend question. 9,033 responded with a score of 6 or above, therefore 92.4% are likely to recommend.

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