Home Insurance For Over-50s

Tailor your over 50s home insurance cover to suit your lifestyle
24/7 over 50s home insurance emergency claims service

Cover in more than 20 countries
Over 20 years of holiday home expertise
24hr emergency claims helpline
Cover for unoccupied properties included

Home Insurance For Over-50s

Life changes as we age, as do the risks associated with owning a home. If you’re over 50, Intasure can tailor home insurance cover to help protect you and your home.

What Is Home Insurance For Over-50s?

Over-50s home insurance is the same as a standard home insurance policy, but with additional extras to help cover the unique risks of this stage in life. For example, older homeowners may have higher-value belongings, requiring higher sums insured, or be more security-conscious, needing additional protection for their homes. The cover options can accommodate more complex contents, including antiques, fine art, or specialised valuables, ensuring your home and possessions are fully protected.

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Types Of Home Insurance Cover Available For Over-50s

Buildings insurance

Can protect your property's structure and fixtures against various risks, including fire, flood, and structural damage.
Contents insurance

Can cover your personal belongings and possessions within your home, such as furniture, appliances and valuable items like jewellery and electronics.
Combined insurance

Can combine buildings and contents insurance into a single policy to protect more aspects of your home and belongings.

What Can Be Included With Home Insurance For Over-50’s?

Buildings insurance

Can provide cover for accidental damage to your property's structure, fixtures, fittings, doors, windows, fences, and gates, up to £1 million.
Contents insurance

Can help protect against theft or damage to your personal belongings, furniture, and possessions within your property, with cover extending up to £100,000. This can include items you take outside your home, such as electronics and jewellery.
Accidental damage cover

Can cover accidental damage to fixed glass, sanitary fixtures, and solar panels.
Standard perils

Can protect against various disasters, including fires, lightning, earthquakes, and explosions.
Leaks and burst pipe

Can help cover against leaks and burst pipes.
Property owners and occupiers' liability

Can offer protection for property owners and occupants, providing financial protection against liability claims up to £2 million.
Malicious acts, vandalism, and theft

Can help protect your home and belongings from deliberate harm or illegal activities, like burglary.

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Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Our Partners

Intasure works with an established partner to provide flexible insurance options.

What Our Customers Say About Us

Excellent

Based on 148 reviews

What Sort Of Properties Do We Cover?

Is Home Insurance For Over-50s Cheaper?

Home insurance for over-50s can be cheaper than other insurance policies. When calculating the cost of your policy, many factors can bring down your premiums, including:

People over 50 are typically more experienced homeowners. This can make them more likely to protect and maintain their homes, reducing the risk of potential disasters.
People over 50 tend to have more security features installed to deter potential intruders.
People aged 50 and above are more likely to work part-time or retire and spend more time at home. This can lower the cost of insurance as it can reduce the risk of theft and burglary.

Why Choose Intasure For Home Insurance For Over-50s?

With Intasure, you’ll get clear and caring guidance. Our UK-based team has been helping our valued customers with their home insurance for over 20 years. Need something answered or sorted quickly? Our team is on hand to help solve your queries promptly from Monday to Friday between 9 a.m. and 6 p.m. It’s why our customer service is rated 4.7/5 and 96%* of our customers recommend us on TrustPilot.

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Benefits of using Intasure for home insurance:

Building insurance up to £1 million
Public liability cover up to £5 million included as standard
Property cover whether occupied or unoccupied
We’re a specialist holiday let insurer
Understanding of local rules and regulations.
Experienced English speaking customer service staff
Flexible policies tailored to customers through optional extras

Policy Documents

View our policy documents to discover the cover Intasure can provide.

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FAQs

Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

Do I need home insurance for over-50s?

While it’s not a legal requirement to have home insurance, many mortgage lenders ask you to have at least building insurance to protect your property. Standard insurance is still an option but choosing types of cover designed for those over 50 can offer specific benefits tailored to your age group, such as more affordable premiums or additional perks designed for older homeowners.
Do I need home insurance to move into a retirement home?

While your retirement home may have building insurance, it typically only covers the property’s structure. That means personal belongings and contents within your property may not be covered under the building’s insurance policy. With that in mind, you may want to consider home insurance to protect your possessions against theft, damage, or loss.
How much cover do I need?

The level of cover you need depends on your circumstances. For example, building insurance is typically based on the cost of rebuilding your home from scratch, considering construction materials, labour costs, and inflation.

The total value of your belongings, including valuable items such as jewellery, electronics, and appliances, is also considered. Assessing factors like these will help determine the level of cover needed to protect your assets.
How is over home insurance for over-50s different from standard home insurance?
Home insurance tailored for over-50s differs from standard home insurance in several ways:
- Lower premiums: Insurers can often offer lower premiums for over-50s due to their lower risk profile. Older homeowners tend to have more experience maintaining their properties, which reduces the likelihood of claims.
- More cover options: Policies for over-50s can include additional benefits not typically found in standard policies. This can include cover for second homes and more.
- Security benefits: Older homeowners are more likely to have enhanced security measures in place, such as alarms and security locks. Insurance providers may offer discounts or additional benefits because of this, as there’s a reduced risk of theft.
What are the benefits of home insurance for over-50s?

Home insurance for over-50s can be cheaper than standard home insurance. This is because people over 50 are generally more experienced in maintaining a property, which reduces the risks of potential problems. Plus, people over 50 tend to spend more time at home and be more security conscious, which can lower the likelihood of theft.