Quotezone.co.uk Home Insurance

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Quotezone puts a single property questionnaire in front of more than 40 UK home insurance providers and hands back their own prices. Using it costs you nothing — the providers pay for the introduction, and the premium you see is the insurer's figure, not a marked-up one. Alongside the standard buildings, contents and combined policies it runs separate routes for landlords, tenants, second homes, student contents, flats, listed buildings and empty property.

The business behind it is Seopa Limited of Belfast, authorised by the Financial Conduct Authority under firm reference 313860 and registered in Northern Ireland as company NI46322. It has been running insurance comparison since 2005, which makes it one of the older operators still trading under its own name.

The most immediately useful thing on the site is free and needs no form at all. Quotezone publishes its own regional averages, and for Q2 2026 they run from £136.85 in the North East to £261.14 in London, with most of England and Wales landing between £138 and £176. If the renewal letter on your kitchen table sits well above the figure for where you live, that gap is the reason to spend ten minutes comparing.

Buildings, contents, or the one policy that does both

The first thing the form asks is which of three products you want, and the answer changes the price more than any insurer choice you make afterwards.

Buildings insures the structure — walls, roof, floors, fitted kitchens and bathrooms, usually garages and boundary walls. A mortgage lender will insist on it. Contents insures what you would take with you if you moved. Combined puts both on one policy, and the arithmetic favours it strongly. The Association of British Insurers put the average combined premium at £379 in Q4 2025, against £312 for buildings alone and £122 for contents alone. Bought as two separate policies that is £434 — roughly £55 more for the same protection, plus a second excess and a second renewal date to remember.

Two figures on the form are yours to get right, and no comparison screen will check them for you.

• Rebuild cost is not market value. It is what a builder would charge to clear the site and put the house back up. On older and rural properties it often exceeds what the house would sell for; on a city flat it is usually far less. Understate it and the insurer can apply average, scaling a claim down in proportion to the shortfall, so a half-insured house gets half of a £20,000 claim.
• The contents sum insured should be what it would cost to replace everything, not what you paid. Walk the house room by room once and the figure is usually higher than the number people guess.

Single-item limits sit underneath the headline contents figure and typically bite somewhere between £1,500 and £2,500. Anything above that — a ring, a bike, a laptop, a watch — needs naming individually on the policy, and a comparison result will not tell you which insurers set that ceiling where.

Reading the regional numbers before you read the quotes

Quotezone's Q2 2026 regional data is the part of the site worth bookmarking, because it gives you a reference point to judge a quote against:

• London — £261.14
• South East — £176.00
• East of England — £173.22
• Scotland — £158.00
• Yorkshire — £149.74
• Wales — £146.56
• North West — £146.05
• South West — £145.87
• West Midlands — £139.01
• East Midlands — £138.11
• North East — £136.85

Property type moves the price almost as much as postcode. An older Quotezone sample of 100,000 policies covering Q1 2023 to Q4 2024 priced detached homes at £308.66, semi-detached at £265.16, terraced at £259.38 and apartments at £160.07. That same dataset put the national average at £274.17 and recorded English premiums rising around 60% from the start of 2023, with London up 69%.

Those two datasets do not sit comfortably together, and the site does not reconcile them: a £274.17 national average from the older sample is higher than nine of the eleven regional figures published for Q2 2026. Treat the 2026 regional table as the current one and the property-type split as directional rather than exact.

Neither set matches the ABI's £379, and that is not a contradiction. Quotezone is reporting prices quoted on its own panel to people actively shopping around; the ABI is reporting premiums actually written across the whole market, including the renewals of people who never compared. The distance between those two numbers is roughly the value of shopping around at all.

Regulation, payment and who you argue with later

Seopa's FCA permissions cover insurance mediation and credit broking. The second one earns more attention than it usually gets. Paying for home insurance in twelve monthly instalments is a credit agreement, not a payment plan, and the APR attached to it varies sharply between insurers sitting side by side on the same results page. A policy that wins on annual premium can lose on the monthly figure, and the comparison screen ranks on the former.

The company is paid by the providers on its panel, as a flat fee, as commission, or as a mixture of the two. Nothing is added to what you pay, and Seopa says so in its own disclosure document rather than leaving you to work it out. It is also registered with the Information Commissioner's Office as a data controller under Z8733752, which matters for a service you hand your full address, security arrangements and claims history to.

What you do not get is advice. Seopa states plainly that it makes no recommendation and does not tell you which policy to take, so every judgement about excess levels, accidental damage, home emergency and legal expenses cover is left with you. Nothing on the results screen shows a Defaqto star rating or a Fairer Finance score for the insurers listed, and both are worth ten minutes of separate checking before you commit — a five-star rated policy and a one-star policy can appear a pound apart.

The complaint routes split in two, and knowing which is which saves time:

• About the comparison service — the quote, the data, the website — goes to Seopa, which aims to respond by the next working day after receiving it. If it is still unresolved after eight weeks, or once you have a final response, the Financial Ombudsman Service will take it. You have six months from that final response letter to refer it.
• About the policy or a claim goes to the insurer, not to Seopa. Seopa introduced you; it is not a party to your cover.

The Financial Services Compensation Scheme covers non-investment insurance mediation at 90% of the claim with no upper limit.

Flood, subsidence and the houses a standard form cannot price

UK insurers paid a record £6.1 billion in property claims during 2025, of which £1.2 billion was weather-related — a 14% rise worth £142 million on the year before. The average property claim climbed 15%, up almost £800 to around £6,000. Those numbers are why the questions about your postcode's flood history and any past cracking are the ones insurers price hardest.

The detail underneath is sharper still. Domestic flood claims rose 38% to £312 million and the average flood payout jumped 60% to £30,000. Storm damage to homes reached £244 million, up 32%, with the average storm claim at £2,450 — £750 more than in 2024. Subsidence payouts hit £307 million, up 10%.

If your home has flooded, Flood Re is the mechanism that keeps it insurable, and it works behind the scenes: your insurer cedes the flood element of the risk to the scheme. Eligibility is specific rather than automatic. The property must be in council tax bands A to H, built before 1 January 2009, used privately and residentially, insured in an individual's name, and be a single unit or part of a building of no more than three. Blocks of more than three flats, housing association buildings and commercially let property fall outside it. The scheme is funded to run until 2039, after which flood premiums are expected to move to risk-reflective pricing.

Empty property is the other place the form runs out of road. Most home policies stop covering a house after 30 to 60 consecutive days without anyone living in it, and the exact figure differs by insurer — a probate sale, a renovation or a long gap between tenants can quietly void cover without anything visibly changing. Quotezone routes that to a separate unoccupied product, where the panel is a handful of specialist brokers rather than the 40-plus insurers quoting mainstream risks. The same applies to listed buildings and thatch.

The £257.05 figure, unpicked

The headline on the home insurance page is a saving of £257.05, and the footnote beneath it is doing most of the work. Quoted in full: "51% of consumers could save £257.05 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd's insurance comparison website. This is based on representative cost savings from April 2026."

Three things follow. The first is 51% — just over half of people reached it, and the other half did not. The second is what the saving is measured against: not your existing premium, and not the wider market, but the average of the fourteen results sitting immediately behind the winner on the same panel. The third is the size of that comparison basket. Widening it from a handful of runners-up to fourteen pulls the average being compared against upwards, because the fourteenth cheapest quote is a long way behind the first. The figure is a fair description of how far apart prices on one panel can be. It is not a forecast of what you will save by switching.

Two structural limits belong here too. The home panel is stated at 40+ providers, against the 130+ Quotezone advertises for car insurance — a materially narrower field, and Seopa does not claim to be whole of market, since some insurers decline to appear on comparison services at all. And since 1 January 2022, FCA rules have required firms to quote a renewing home insurance customer no more than they would quote a new customer through the same channel, which has compressed the loyalty penalty that made switching so dramatically profitable a few years ago. Comparing still pays. It pays less than a headline built on 2019 behaviour would suggest.

One last habit worth keeping: the cheapest line on the results page frequently gets there through a higher excess, a lower single-item limit or accidental damage stripped out. Open two or three policy documents before you choose, because the ranking is by price and nothing on the screen ranks by cover.

Figures were taken from each provider's own published terms on 16 August 2026. Variable rates can change at any time — confirm the current rate with the provider before applying.