Over 60s 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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You’ve probably lived in your home for quite a while now, and have collected many things over the years. You might even still live in the house you raised your children in, and have bedrooms going spare for visiting family and friends.  
When you choose esure you can sleep easy knowing your home is protected by quality 5 Star Defaqto rated cover. Plus all our call centres are UK based, with friendly staff, ready and waiting to help whatever your query might be.


What's different about buying home insurance for over 60s?

Nothing at all when you get a quote with esure. We offer both contents and buildings insurance, which you can buy separately or together. It’s also worth knowing that when you buy both our policies together, you might be entitled to a discount.


What does home insurance for over 60s look like with esure contents?

If you’re no longer working, you might be enjoying your extended evenings at home, feet up, catching up with the latest episode of Sherlock. Because you spend more time in your home than ever before, you’re probably more aware of how much all your possessions cost. With 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 60s 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 anything affect the price of over 60s home insurance?

There a few things, which can affect what you pay for home insurance. If you have a large house with several bedrooms, you will most likely pay more as you’ll have more things to insure. The house itself will probably be bigger too, meaning rebuild costs would be higher.
Where you live can also change what you pay, as well as the materials your property is made of. esure for example won’t insure any homes that have a thatched roof.
If you’re thinking of downsizing or relocating for your retirement you might want to research the type of home you might see yourself living in and the area–it could have a big impact on what you pay for your home insurance policy.

Can I increase my cover?

You certainly can, our Optional Extras include:

•    Personal possessions–get your things covered when you take them outside the home, this is particularly useful for protecting your smart phone when you’re out and about. Visit our personal possessions page to find out more
•    Home emergency cover–emergencies tend not to be restricted between the hours of 9–5, you could save yourself the hassle of ringing round trying to find that out-of-hours plumber, by making one call to our emergency hotline. Visit our home emergency cover page to find out more
•    Family Legal Protection–you could get covered for all sorts of situations that may require legal assistance, from employment tribunals to getting back your money after buying something faulty online. Visit our Family Legal Protection page to find out more


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.