Over 50s Home Insurance


You can add FREE for the first year:

  Family Legal Protection
  Home Emergency Cover

Plus we're rated 5 stars by defaqto.


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Being in your fifties is an important milestone in your life, your children may have moved away for university and you have your home to yourself again - or you can see early retirement on the horizon. 

At esure, our cover is rated 5 Stars by independent financial researcher Defaqto, which is the highest rating that can be awarded. Plus all our call centres are based in the UK, and are full of helpful staff should you ever have a problem or query.

Is there anything different about home insurance for over 50s?

The level of cover we offer is the same regardless of age. It's worth keeping in mind that when shopping around for buildings and contents insurance, over 50s have a lot of options to choose from. With esure you can buy both buildings and contents insurance together, or as separate policies.

Contents cover–what does over 50s home insurance look like with esure?

You’ve probably lived in your home for a long while now, and have amassed a lot of things, so it’s important the cover you have meets your needs. When you buy esure Contents Insurance you get:

Contents Cover
  • New for old cover – we like to keep things simple so if we think any of your items need replacing, they are replaced as new.
  • Garden contents up to £2000 – good if you like to spend your afternoons tending to your plants, or reclining on your lounger.
  • Money in your home up to £750 – if you have any cash that is stolen in your home our cover is designed to reimburse you.
  • Visitors’ belongings up to £2500 – if you have friends or family over often we aim to protect their things as well as yours.
  • Freezer and fridge contents up to £1000 – when your fridge or freezer gives up the ghost, don’t worry our cover intends to replace your food if it spoils.
  • Shed cover and garage cover up to £2000 – from fishing tackle to train sets, whatever your hobby is, we aim to cover it in the event of a theft.
  • Up to 40% No Claim Discount after five years – if you never make a claim, you could save on your next contents policy with us.



Buildings cover – what does over 50s home insurance look like with esure?


  • Buildings cover – unlimited, so you’re not underinsured.
  • Alternative accommodation up to £75000 – if we think you can’t stay in you’re home we aim to pay for you to stay somewhere else.
  • Fixtures and fittings – we aim to cover your kitchen, or bathroom suite if it needs replacing after an insured event.
  • External door locks up to £1000 – if you lose or have your door keys stolen, we aim to help you as soon as we can, by either replacing or fitting new locks.
  • Unlimited glass and sanitary ware cover – providing the damage is covered by an insured event.


What events does esure cover?

This is a summary of the events we cover for full information please read our policy document:

•    Fire
•    Falling branches or trees
•    Vandalism
•    Explosion
•    Burst or leaking pipes–this includes fish tanks, water tanks, washing machines, dishwashers, radiators or other fixed heating systems 
•    Oil leaks
•    Theft or attempted theft
•    Subsidence

Can I increase my cover further as an esure over 50s home insurance customer?

Of course you can, we have wide range of flexible cover options which you can buy to top up your home insurance.

Personal possessions is a useful add-on if you want your belongings, like your mobile phone or laptop covered when taken outside of the home. To find out more please visit our personal possessions page.

Pest cover is often a neglected add-on, but it can save you a lot of time, hassle and stress should you find an infestation in your home. When you buy this insurance you’ll be covered for extermination fees up to £150 per claim. To find out more please read our pest cover page.

As a new customer you can add at no extra cost in your first year:

Family Legal Protection
FREE for the first 12 months, worth £25.99
Home Emergency Cover
FREE for the first 12 months, worth £54.99
  • Access to expert lawyers with up to £50,000 legal costs covered for you and your family
  • No Claim Discount not affected
  • One call to us and we'll arrange for a contractor to visit your home and carry out emergency repairs. Call-out charge, labour cost, parts and materials to a limit of £500 (including VAT), no problem, that's covered by esure.