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Awarded Best Home Insurance Provider at the 2019 Insurance Choice Awards, and with its array of home, car, and travel insurance products, Admiral is one of the largest and most popular home insurance companies in the UK.

Who underwrites Admiral home insurance?

Admiral is owned by the Admiral Group, with their home insurance products underwritten by Admiral Insurance (Gibraltar) Limited.

Types of home insurance with Admiral

Admiral offers three types of home insurance:

  • Buildings insurance
  • Contents insurance
  • Combined buildings and contents insurance

Levels of cover

Admiral offers three tiers of insurance – Admiral Cover, Gold, and Platinum. Each of these options can be taken out as buildings, contents or combined buildings and contents insurance.

Optional extras such as Accidental Damage, Personal Possessions, Home Emergency, and Family Legal Protection can also be added to any of these policies.

PolicyPolicy TypeBuildings maximum sum insuredContents maximum sum insured
Admiral CoverBuildingsUnlimitedN/A
Admiral CoverBuildings + ContentsUnlimited£75,000
Admiral GoldBuildingsUnlimitedN/A
Admiral GoldBuildings + ContentsUnlimited£100,000
Admiral PlatinumBuildingsUnlimitedN/A
Admiral PlatinumBuildings + ContentsUnlimited£150,000
*Maximum sums can be increased as optional extras, but doing so will increase monthly or annual premiums.

What does Admiral home insurance cover as standard?

Below is what Admiral insurance covers as standard across its three policy types.

What is coveredAdmiral CoverAdmiral GoldAdmiral Platinum
Contents sum insured£75,000£100,000£150,000
Loss of metered water/oil£500£1,000£2,500
Money Limit£250£500£1,000
Replacement Locks/Keys£500£750£1,000
Alternative Accommodation if you can’t stay in your home£10,000£15,000£25,000
Occupier’s Liability£1 million£2 million£2 million
Legal Liability (Tenants)£5,000£10,000£20,000
Personal Liability£1 million£2 million£2 million
Freezer Food£250£500£1,000
New For OldYesYesYes
24-hour emergency helplineYesYesYes
Digital Information£500£1,000£2,500
Credit Card Cover£250£500£1,000
Contents Temporarily away from HomeN/A£5,000£10,000
Deeds and DocumentsN/A£1,000£2,500
Celebration Cover£3,000£5,000£10,000
Theft from Garages and OutbuildingsN/A£1,500£5,000
Garden contentsN/A£1,000£2,500
Garden Plants£500£1,000£2,500
Visitor’s belongingsN/A£500£1,000
Office Equipment£2,500£5,000£10,000
Household Removal/Temporary StorageN/AYesYes
Items in a BankN/A£5,000£10,000
Employer’s/Domestic Staff LiabilityN/A£5 million£10 million
Contents at UniversityN/AN/A£5,000
Contents at Nursing HomeN/AN/A£5,000
Fatal Injury benefitN/AN/A£5,000
Temporary Accommodation LiabilityN/AN/A£2 million
New PurchasesN/AN/AYes
Matching ItemsN/AN/AYes

Boiler cover with Gold policy

Admiral’s Gold policy includes cover for your boiler and central heating system as standard (£500), which is relatively rare when it comes to insurance policies.

Optional extras

Admiral offers several optional extras, also called add-ons, that can be included with your home insurance policy. While any of these options will come at an additional cost, it will allow you to build upon your chosen policy to comfortably suit your circumstances.

CoverAdmiral CoverAdmiral GoldAdmiral Platinum
Full Buildings Accidental DamageYesYesYes
Glass and Sanitary Ware Accidental DamageYesYesYes
Home Emergency CoverUp to £500Up to £500Up to £500
Family Legal ProtectionUp to £100,000Up to £100,000Up to £100,000
Audiovisual Accidental DamageYesYesYes
Accidental Damage to Mirrors or GlassYesYesYes
Full Contents Accidental DamageYesYesYes
Personal Posessions Cover (away from home)£20,000 limit£20,000 limit£20,000 limit
Specified ItemsN/AValuables over £1,000 with a maximum of £30,000.Valuables over £1,000 with a maximum of £30,000.
Bicycles over £350N/AAdd bicycles up to £5,500 per bike to a maximum of £11,000.Add bicycles up to £5,500 per bike to a maximum of £11,000.

Defaqto rating

Both Admiral’s Gold and Platinum home buildings policies were awarded a 5-star rating by Defaqto in 2022. policies have been awarded a 5-Star rating by *Defaqto.

Frequently asked questions

Does Admiral offer new for old contents cover?

All three levels of home insurance from Admiral offer this type of cover. If your claim is deemed valid, belongings that have either been stolen or damaged beyond repair will be replaced for new.

Do any of Admiral’s home insurance policies provide cover for damp?

Like most home insurance providers, Admiral unfortunately does not offer cover for damp. Damp is not usually considered as part of cover for home insurance as its existence is often seen as the result of poor property maintenance or as a result of general wear and tear.

Do Admiral’s home insurance policies cover subsidence?

All three levels of cover with Admiral include subsidence cover.

How much should I insure my personal belongings for?

To work out the contents cover that’s right for you, you’ll need to add up the value of each item in your house.  Any items that are worth more than £1,000, will need to be added into the Admiral policy you choose as a specified item. Any specified item can also be covered away from home, too.

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