Arch Insurance (part of the global Arch Capital Group) is a multinational insurance business. However, Arch does not sell home insurance directly to the public, they act as a wholesale underwriter whose products are distributed exclusively through a network of independent insurance brokers and managing general agents (MGAs).
Arch is respected in the UK for its specialist underwriting, particularly when it comes to high-net-worth homes, complex property risks, and residential landlords.
You can get independent advice and a personalised quotes comparison of policies, including those underwritten by Arch Insurance, from one of our expert advisers below:
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You can use our expert advisers to compare home insurance deals from Arch Insurance (UK) with products from other providers across the market.
They will round up personalised quotes from Arch Insurance (UK) and alternative providers and offer bespoke advice on which one to choose.
To get started, fill in our quick online form below and one of our expert home insurance advisers with be in touch today!
What type of home insurance do they provide?
Because Arch Insurance operates behind the scenes through intermediaries, they do not use a standard "Bronze, Silver, Gold" consumer framework. Instead, their brokers tailor the Arch policy wordings to suit your specific property. Their primary strengths lie in the following areas:
Standard Buildings & Contents (via Brokers)
When an independent broker places your standard home insurance with Arch, you receive a robust policy covering the major perils (fire, flood, storm, and theft).
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Unoccupied period: Arch is notably generous when it comes to empty properties. Their standard policy wording typically allows your home to be unoccupied for up to 60 consecutive days before cover is restricted (double the 30-day industry standard)
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Trace and Access: Cover to find the hidden source of a water leak is included as standard, often with generous limits
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Valuables: Your broker can set specific limits for your high-value items, fine art, and jewellery
Residential Property Owners (Landlords)
This is where Arch truly excels in the UK market. They are a major underwriter for landlord insurance, managing everything from a single buy-to-let house to multi-million-pound property portfolios and purpose-built blocks of flats.
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Property Owner's Liability: Highly flexible liability limits (often up to £5 million or more) to protect landlords against third-party injury claims
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Loss of Rent: Extensive cover to protect your rental income if your property becomes uninhabitable following a fire or flood
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Specialist Tenants: Through their brokers, Arch frequently accepts risks that direct insurers decline, such as properties let to students or multi-occupancy homes (HMOs)
Legal Expenses Add-Ons
Arch frequently partners with specialist legal providers (like ARAG) to offer comprehensive Family Legal Protection and Landlord Legal Expenses alongside their core property cover, providing 24/7 access to legal helplines and tax advice.
How Arch calculates premiums
Because Arch acts as an underwriter rather than a direct retailer, your premium is calculated by your broker using Arch's underlying risk rates:
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Property Type & Construction: Arch has a strong appetite for non-standard construction (like listed buildings or concrete floors in flat blocks), but the materials used will dictate the base premium
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Occupancy: For landlords, the type of tenant and the length of any unoccupancy periods heavily influence the price
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Rebuild Cost: The premium is scaled against the exact cost required to rebuild your property from the ground up
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Broker Negotiation: Because your broker has a relationship with Arch's regional underwriting teams, they can often manually negotiate a better rate for complex or high-value homes than a computer algorithm would allow
Calculate how much cover you need
Our free home insurance calculator will help you to figure out the level of cover you need, whether you're looking for buildings only or a full comprehensive home and contents insurance policy:
Customer reviews
Because Arch Insurance operates as a Business-to-Business (B2B) underwriter, direct consumer reviews are limited.
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Trustpilot: The global Arch brand does not have a large consumer Trustpilot footprint in the UK for home insurance, as customers usually review the broker who sold them the policy, rather than the underwriter in the background
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Industry Reputation: Within the UK insurance industry, Arch's Regional Division is highly respected. They frequently win awards for their underwriting flexibility and strong relationships with regional brokers
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Partner Brand Reviews: To get a true sense of the day-to-day service and claims handling speed you will experience, you should look at the reviews of the specific independent broker arranging your Arch policy
How to get an Arch home insurance quote
You cannot go to the Arch Insurance website to buy a retail home insurance policy. They distribute their products exclusively through a network of regulated insurance brokers.
If you have a complex property, a high-value home, or a portfolio of buy-to-let properties, an Arch policy might be the perfect fit—but you need an intermediary to access their rates.
At Money Helpdesk, our home insurance experts have access to a wide panel of underwriters, including products backed by Arch. If you are looking to arrange robust cover for your property, get in touch and we will present you with your best options.
FAQs
Because you must buy an Arch-underwritten policy through a broker, any administration or cancellation fees will be entirely dictated by your broker's Terms of Business. Standard statutory cooling-off periods (14 days) will apply, allowing for a pro-rata refund if you cancel early and have made no claims.