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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
We've partnered with MoneySuperMarket to help you compare a wide range of home insurance options in one place, with added insight from Which?
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This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.
We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.
In this article
Churchill is a UK-based insurance company that's famed for its grinning bulldog mascot.
We've reviewed Churchill's standard Home insurance policy, as well as its Essentials cover and more comprehensive Plus policy. All can be bought direct, with Home and Plus also appearing on price comparison websites.
We also surveyed 232 Churchill customers who have recently made a home insurance claim.
Churchill also offers car insurance, travel insurance and pet insurance. It's part of the Direct Line Group, which also includes Direct Line, Green Flag and Privilege, and its home insurance is underwritten by UK Insurance Ltd.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
Churchill’s Plus policy was a strong performer in our analysis
75%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed three Churchill policies. Select a policy from our table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | £50,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £450 | |
| Home emergency cover limit | £500 | |
| Home emergency - central heating/boiler repair | £500 | |
| Buildings - Groundwater flooding | Included | |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £4,000 | |
| Contents - Alternative accommodation | £30,000 | |
| Contents - Accidental damage | Full cover included | |
| Contents - Guests' belongings | £1,000 | |
| Contents - Theft of contents in the open | £2,500 | |
| Contents - Damage to contents in the open | £2,500 | |
| Contents - Theft from outbuilding | £5,000 | |
| Contents - Damage to contents in an outbuilding | Up to sum insured | |
| Contents - Personal possessions cover single item limit | £4,000 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
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Dean Sobers, Which? home insurance expert, says:
Churchill’s most comprehensive policy – Plus – performed above average in our analysis. Its buildings cover earned 73% (the average was 71%), while its contents policy scored 75% – placing it just outside the top 10 policies rated.
We liked that it includes £10,000 cover for business equipment and flood cover that includes build-up of groundwater (water that seeps from under your home when the water table rises).
While its contents cover impressed us on paper, it's not a Best Buy. This is due to underwhelming customer survey feedback and a lower-than-average claims acceptance rate on contents-only policies.
If you switch insurer before your renewal date, you can incur steep early cancellation fees with some providers. Churchill tries to take the sting out of this for customers interested in switching to it by offering to reimburse their cancellation costs – up to £55.
Churchill’s standard cover, a policy named Home, sat in the middle of our table. It scored 70% for buildings cover and 67% for contents cover, both around average.
Its budget Essentials policy, with generally lower cover limits and higher excesses than its sister policies, languished in the bottom fifth of both tables.
We asked Churchill customers who have recently made a claim how they felt about their home insurance.
Churchill received a customer score of 75% – joint 17th out of 21 providers rated.
Customers also rated their most recent claim. Churchill received a claims satisfaction score of 76%, placing it 16th out of 22 providers. See the full list of results here.
When we asked customers to tell us more about the rating they'd given Churchill, one respondent said: 'It's very patient with its customers, even if you have to ask lots of questions.'
However, others were less satisfied with their experiences. One noted: 'Not smooth - as had to keep contacting them'.
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers |
Table last updated in September 2026. Next update in September 2027.
Churchill sample size: Customer score: 232; Claims score: 255
Churchill's three policies can be bought directly online, or you can buy Home and Plus cover via these comparison websites:
If you're with another insurer but are thinking of changing provider, Churchill offers a £55 contribution towards cancellation fees incurred from making an early switch.
Want to pay monthly? Churchill charges 8% APR interest, so you might be better off paying annually on an interest-free credit card.
The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.
With a customer score of 75%, Churchill sits in joint 17th place overall in our satisfaction table, coming just below LV, NatWest and Santander (which all scored 76%) and slightly ahead of Halifax (71%).
Its standard Home buildings policy scored 70% and ranks joint 18th in our standard buildings cover table. This matches the 70% score of the standard policy from Hastings Direct.
As for contents insurance, its standard Home policy scored 67% – the same as standard policies from Lemonade and LV – and sits in joint 14th place among standard policies.
You can make a home insurance claim with Churchill online or via the Churchill app.
Alternatively, call 0345 603 3590.
Find out more: Is it worth claiming on your home insurance?
Maybe. On paper, its pricier policy offers good contents cover, but we’re not convinced it fully delivers in practice.
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