Compare ASDA Home Insurance Quotes Against The Market

Asda is one of the UK’s "Big Four" supermarket giants. Through its financial services arm, Asda Money, it offers a range of straightforward, accessible insurance products alongside its everyday retail operations.

While you might buy the policy under the Asda brand, Asda does not underwrite the insurance themselves. Asda Home Insurance is sold and administered by Hood Group Ltd, and the core buildings and contents cover is exclusively underwritten by Royal & Sun Alliance Insurance plc (RSA) - one of the UK's oldest and most established insurers. Any Legal or Home Emergency add-ons are underwritten by the DAS Group.

You can get independent advice and a personalised quotes comparison of Asda’s home insurance deals from one of our expert advisers below:

What type of home insurance do they provide?

To keep things simple for shoppers, Asda structures its home insurance into clear, star-rated tiers: 3 Star, 4 Star, and 5 Star policies. This allows you to choose between essential budget cover and a fully comprehensive package.

Buildings insurance

This covers the structure of your property, including the roof, walls, windows, and permanent fixtures like fitted kitchens.

• Cover limits: The baseline 3 Star policy provides up to £400,000 in rebuild cover. Upgrading to the higher tiers typically increases this limit to £1 million or more, providing peace of mind for larger homes.

• Alternative Accommodation: If your home is uninhabitable following a disaster (like a fire or flood), the 3 Star combined policy covers alternative accommodation up to £40,000. The 5 Star policy increases this limit significantly.

• Trace and Access: Cover to find the source of a hidden water leak is typically included on the higher tiers, preventing you from paying for exploratory damage out of pocket.

Contents insurance

This protects your household goods, electronics, and personal belongings against theft, fire, and flood.

• Cover limits: The 3 Star tier provides up to £50,000 of contents cover. The top tiers increase this limit (often up to £100,000) for more affluent households.

• Technology Cover: Asda policies often include specific limits for home entertainment and technology (with the option to increase this limit up to £15,000), ensuring your modern gadgets are fully protected.

• New for Old: When items are damaged or stolen, they are typically replaced on a new-for-old basis.

Combined home & contents cover tiers

Here is how the tiers generally compare:

• Asda 3 Star: The budget option. Covers standard perils (fire, theft, storm) but excludes premium features like Accidental Damage and Home Emergency cover, which must be added for a fee.

• Asda 4 Star: The mid-range option. Offers higher coverage limits for buildings, contents, and alternative accommodation, striking a balance between price and protection.

• Asda 5 Star: The premium option. This holds a 5 Star Rating from Defaqto and automatically includes Full Accidental Damage and Home Emergency Cover as standard.

How Asda calculates premiums

Because your policy is underwritten by RSA, your premium is calculated using standard, robust industry risk factors:

• Property Specifics: The age of your property, its construction materials, and the number of bedrooms.

• Location Risk: Postcodes with a history of flooding, subsidence, or high burglary rates will attract a higher premium.

• Policy Tier: Selecting the 5 Star policy will cost more initially, but it saves you from paying individual fees to add Home Emergency and Accidental Damage.

• Security: Adding approved burglar alarms and modern door locks can lower your risk profile and your price.

Asda Home insurance reviews

Asda Money benefits from strong brand recognition, and its insurance products are generally well-received by standard homeowners.

• Trustpilot: Reviews for Asda Money are mixed (as they include credit cards and travel money), but the home insurance division generally receives positive feedback for an easy online quote process and clear documentation.

• Claims Handling: Because claims are ultimately handled by RSA (or DAS for emergencies), customers benefit from a massive, UK-based claims infrastructure.

• Defaqto: The 5 Star tier holds the maximum Defaqto rating, assuring customers that they are buying a high-quality product that isn't full of hidden exclusions.

How to get an Asda home insurance quote

You can buy Asda home insurance directly through the Asda Money website or by comparing prices on standard comparison sites.

However, because Asda acts as a distributor for RSA, you might actually find that a different supermarket brand or direct insurer offers a similar 5-star policy for less money, depending on your postcode.

To ensure you are getting the absolute best value and the right cover limits for your home, it is wise to compare an Asda quote against the wider market.

At Money Helpdesk, our home insurance experts can help you review your options. If you are wondering whether Asda is the right choice for your home insurance, get in touch and we will review this for you.