Home insurance provides essential peace of mind to homeowners, but that doesn't mean all home insurance policies are equally valuable. That's why the experts at Moneyfacts have once again assessed the home insurance market to find out who's worthy of a Moneyfacts Star Rating.
The Moneyfacts Star Ratings for home insurance are based on the weighting of those product features, outside of premiums, that are likely to be the most relevant to homeowners. Due to the extensive analysis done using Moneyfacts' vast knowledge-base, you can be sure that any home insurance policy that has earned a Moneyfacts Star Rating of four or five is a quality choice for your home.
"Ensuring a home and its contents are protected in the event or a major (or minor) disaster is essential if consumers want to avoid potentially crippling costs," commented Moneyfacts Star Ratings & Personal Finance Analytics Manager Samantha Owens. "However, choosing the right policy can be difficult given the number of providers, the range of products and all of the options available.
"The Moneyfacts Annual Home Insurance Star Ratings looks at policies for both the home and its contents, rating highest those policies with the widest range of cover and largest limits, allowing the consumer to focus their search on the best policy they can buy."
For a handy overview of all the companies that have received a Moneyfacts Star Rating of four or five for either home buildings insurance, contents insurance or high net worth insurance, see the tables below. If you'd rather get a quote based on your specific situation, you could also go to our home insurance comparison hub. 
| HOME BUILDINGS INSURANCE | 
| FIVE STARS | 
AA
- Home Insurance
 
- Home Insurance Plus
 
- Prestige Home Insurance
 
 
Admiral
Age Co
Ageas
Allianz
ASDA Money
Assetsure
- Home and Contents Insurance
 
 
Aviva
- Home Insurance
 
- Home Plus
 
- Your House
 
 
AXA Direct
AXA Insurance
- AXA Advanced
 
- AXA Exclusive
 
- AXA Extra
 
 
Bank of Scotland
- Home Insurance Comprehensive
 
- Home Solutions
 
 
Baptist Insurance
Barclays
Benenden 
- Essential Home Insurance
 
- Premier Home Insurance
 
 
British Gas
Cavere Insurance
- Cavere Home Insurance (RSA)
 
- Residential Buildings and Contents Insurance
 
 
Chelsea Building Society
Cherish Insurance
Churchill
Clydesdale Bank
Confidas
Co-op Insurance
Cornish Mutual
Covea Insurance
Direct Line
- Home Insurance
 
- Home Insurance Plus
 
- Select Premier Insurance
 
 
Ecclesiastical
Emerald Life
esure
first direct
Halifax
- Home Insurance Ultimate
 
- Home Solutions
 
 
Hastings Direct
- Hastings Direct
 
- Hastings Premier
 
 
Hiscox
HSBC
Ipswich Building Society
John Lewis
KGM Home
Leeds Building Society
- Leeds Building Society arranged Home Insurance
 
 
Leek United
Legal & General 
- Home Insurance Choices Select
 
- Home Insurance Gold
 
 
Lloyd & Whyte
Lloyds Bank
- Home Insurance Premier
 
- Home Solutions
 
 
Loughborough Building Society 
 | 
LV=
- Home Insurance
 
- Home Plus Insurance
 
 
M&S Insurance
- M&S Premier Home Insurance
 
- M&S Standard Home Insurance
 
 
Mark Bates Ltd
Market Harborough Building Society
Methodist Insurance
MORE TH>N
- Home Choice Primary cover
 
- Home Choice Upgraded cover
 
 
Motability
Nationwide Building Society
NatWest
- Elite Home Insurance
 
- Home Insurance
 
- Premier Home Insurance
 
 
NFU Mutual
Nottingham Building Society
Paymentshield
- Plus Home Insurance
 
- Standard Home Insurance
 
 
Plum Underwriting
Police Mutual
Policy Expert
- Home Essentials
 
- Home Premier
 
 
Principality Building Society
Privilege
Quotemehappy.com
RIAS
Royal Bank of Scotland
- Elite Home Insurance
 
- Home Insurance
 
- Premier Home Insurance
 
 
RSA
Saga
SAGIC
Sainsbury's Bank
Santander
- Santander Home Insurance - Everyday
 
- Santander Home Insurance - Premier
 
 
Select & Protect
- Home Insurance
 
- Median
 
- Ultima
 
 
Sheilas' Wheels
Skipton Building Society
- Home Insurance Protect Plus
 
 
Swiftcover
Swinton Insurance
Tesco Bank
- Tesco Bank Home Insurance
 
 
The Co-operative Bank
The Military Mutual
- Home Standard Cover
 
- Home Standard Plus Cover
 
 
Together Mutual Insurance
TSB
- TSB Pick and Protect Home Insurance
 
 
UIA Mutual
- Flexi Home Insurance
 
- Signature Home Insurance
 
 
Uinsure
Utility Warehouse
Vernon Building Society
West Bromwich Building Society
- Home Insurance
 
- Premier Home Insurance
 
 
Yorkshire Bank
Yorkshire Building Society
Zurich
 | 
| FOUR STARS | 
Admiral
Ageas
- Elastic
 
- House Guard
 
- Optima Home/Beds
 
 
Allianz
Ansvar
ASDA Money
AXA Direct
AXA Insurance
Bank of Scotland
Bradford & Bingley
Chubb
Countrywide Insurance Services
Dial Direct
First2Protect Insurance Services
Halifax
Hastings Direct
 | 
Hub connect to the hub
Insure4Retirement
John Lewis
Legal & General 
- Home Insurance Choices Standard
 
- Home Insurance Extra
 
- Rainbow Home Insurance
 
 
Lloyds Bank
Post Office Money
- Over 50s Home Insurance
 
- Under 50s Home Insurance
 
 
Quotemehappy.com
RSA
Saga
SunLife
Swiftcover
Swinton Insurance
The Co-operative Bank
Zurich
 | 
 
 
 
| CONTENTS INSURANCE | 
| FIVE STARS | 
AA
- Home Insurance
 
- Home Insurance Plus
 
- Prestige Home Insurance
 
 
Admiral
Age Co
Ageas
- House Guard
 
- House Guard Prestige
 
- Optima Home/Beds
 
 
Allianz
Ansvar
ASDA Money
Assetsure
- Home and Contents Insurance
 
 
Aviva
AXA Direct
- HomeSafe
 
- HomeSmart
 
- HomeSure
 
 
AXA Insurance
- AXA Advanced
 
- AXA Exclusive
 
- AXA Extra
 
 
Bank of Scotland
- Home Insurance Comprehensive
 
- Home Solutions
 
 
Baptist Insurance
Barclays
Benenden 
- Essential Home Insurance
 
- Premier Home Insurance
 
 
British Gas
Cavere Insurance
- Cavere Home Insurance (RSA)
 
- Residential Buildings and Contents Insurance
 
 
Chelsea Building Society
Cherish Insurance
Chubb
Churchill
Clydesdale Bank
Confidas
Co-op Insurance
Cornish Mutual
Covea Insurance
Direct Line
- Home Insurance
 
- Home Insurance Plus
 
- Select Premier Insurance
 
 
Ecclesiastical
Emerald Life
esure
first direct
Halifax
- Home Insurance Ultimate
 
- Home Solutions
 
 
Hastings Direct
- Hastings Direct
 
- Hastings Premier
 
 
Hiscox
Horizon
HSBC
Hub connect to the hub
Ipswich Building Society
John Lewis
KGM Home
Leeds Building Society
- Leeds Building Society arranged Home Insurance
 
 
Leek United
Lloyd & Whyte
Lloyds Bank
- Home Insurance Premier
 
- Home Solutions
 
 
Loughborough Building Society 
 | 
LV=
- Home Insurance
 
- Home Plus Insurance
 
 
M&S Insurance
- M&S Premier Home Insurance
 
- M&S Standard Home Insurance
 
 
Mark Bates Ltd
Market Harborough Building Society
Methodist Insurance
MORE TH>N
- Home Choice Primary cover
 
- Home Choice Upgraded cover
 
 
Motability
Nationwide Building Society
NatWest
- Elite Home Insurance
 
- Premier Home Insurance
 
 
NFU Mutual
Nottingham Building Society
Paymentshield
- Plus Home Insurance
 
- Standard Home Insurance
 
 
Pen Underwriting
Plum Underwriting
Police Mutual
Policy Expert
Principality Building Society
Privilege
Quotemehappy.com
RIAS
Royal Bank of Scotland
- Elite Home Insurance
 
- Premier Home Insurance
 
 
RSA
- Clearchoice
 
- Preferred Choice
 
 
Saga
SAGIC
Sainsbury's Bank
Santander
- Santander Home Insurance - Everyday
 
- Santander Home Insurance - Premier
 
 
Select & Protect
Sheilas' Wheels
Skipton Building Society
- Home Insurance Protect Plus
 
 
Swiftcover
Swinton Insurance
Tesco Bank
- Tesco Bank Home Insurance
 
 
The Co-operative Bank
The Military Mutual
- Home Standard Cover
 
- Home Standard Plus Cover
 
 
Together Mutual Insurance
TSB
- TSB Pick and Protect Home Insurance
 
 
UIA Mutual
Uinsure
Utility Warehouse
Vernon Building Society
West Bromwich Building Society
- Home Insurance
 
- Premier Home Insurance
 
 
Yorkshire Bank
Yorkshire Building Society
Zurich
 | 
| FOUR STARS | 
| Admiral
Ageas
Allianz
ASDA Money
Aviva
Bank of Scotland
Bradford & Bingley
Countrywide Insurance Services
County Insurance Services
Covea Insurance
CSIS
First2Protect Insurance Services
Halifax
Homelyfe
iGO4 Insurance
Insure4Retirement
Intasure
 | 
Legal & General 
- Home Insurance Choices Select
 
- Home Insurance Choices Standard
 
- Home Insurance Extra
 
- Home Insurance Gold
 
- Rainbow Home Insurance
 
 
Lloyds Bank
NatWest
Neos
- Smarter Home Insurance Neos Best
 
 
Plum Underwriting
Policy Expert
Post Office Money
- Over 50s Home Insurance
 
- Under 50s Home Insurance
 
 
Royal Bank of Scotland
Saga
Select & Protect
Swiftcover
Swinton Insurance
Together Mutual Insurance
UIA Mutual
Zurich
- Home Insurance
 
- Home Solutions
 
 
 | 
 
 
 
| HIGH NET WORTH INSURANCE | 
| FIVE STARS | 
FOUR STARS | 
Aviva
AXA Art Insurance
Azur Underwriting
Chubb
Covea Insurance
- Executive Plus
 
- Sterling Executive Home
 
 
DUAL Private Client
Hiscox
Home & Legacy
Horizon
Hub connect to the hub
John Lewis
- Specialist Home Insurance
 
 
NFU Mutual
Oak Underwriting
- Private Client Home Insurance
 
 
Plum Underwriting
Zurich Private Clients
- Ultimate Exclusive Home
 
- Ultimate Home
 
 
 | 
Aston Lark
Aviva
Beazley
Chubb
Confidas
DUAL Private Client
Ecclesiastical
Home & Legacy
Palladium Underwriting
 |