How Monzo can streamline your home insurance

Home insurance can be an essential purchase for everyday life. And in the unfortunate event of ever needing to make a claim, it’s something you will be grateful for having. It’s one of those admin tasks that’s easily postponed, and can slip off the to-do list, but in reality it’s worth making sure you’ve got the right cover in place before you need it. Understanding the importance of home insurance, and cutting down on life admin, is Monzo, which has built itself around being a way to spend, save and manage your money all in one place. So instead of endlessly searching for a quote, the quicker answer could be already inside your banking app. Here’s everything you need to know about Monzo Home Insurance, and how to get started. Monzo Current Account required and must be open for the whole insured period. Underwritten by Chubb. UK residents aged 18+. Ts&Cs, excess and exclusions apply.Why is home insurance important, and what are the different types? MonzoThere are two types of insurance for your home: buildings and contents. The former is for protecting the building, which includes walls, floors, roofs and windows. It also protects the fixtures within the home, such as the fitted kitchen and the facilities in the bathroom. Policies can also extend to include garages and any outbuildings the property might have too. Cover is for your main home, not a second property or place of business.The latter looks after the contents inside the home, such as furniture, sports and electrical equipment, gadgets, clothing and jewellery, books and artwork. If there’s one item that’s particularly expensive, many policies offer paid add-ons to single that item out too, such as a bicycle, camera or piece of jewellery. These add-ons have their own limits and exclusions.The two types are also best suited to different living situations too. Buildings insurance is for homeowners only, while contents insurance is available to both homeowners and renters. What’s Monzo Home Insurance’s coverage?To keep things simple, Monzo Home Insurance offers a combined buildings and contents policy. Alternatively, it’s possible to take out just contents insurance, but not just buildings insurance on its own. It’s important to remember that the cost of insurance cover depends on many variables, and each quote is unique, depending on the type of home, whether you own it outright or have a mortgage, and the level of cover required. The insurance is underwritten by Chubb, who is responsible for assessing any claims and paying out, if a claim is successful. MonzoBuildings cover is available up to £1,000,000, and it’s possible to insure contents up to £100,000, you choose the limit that’s right for you. These figures cover what it would cost to repair or rebuild the home, or replace either some of, or all of, the contents. There’s also the option to pay extra to insure separate items that are more expensive, giving cover to items worth more than £1,000, which might suit a laptop, watch or something else valuable.Going a step further, Monzo also understands the stress of moving, and how vulnerable contents can be during that time going between two homes. For this reason, it offers up to £10,000 to protect belongings during the relocation process even while in storage (up to 72 hours).Monzo Current Account required and must be open for the whole insured period. Underwritten by Chubb. UK residents aged 18+. Ts&Cs, excess and exclusions apply.Is Monzo Home Insurance only open to current Monzo customers?Yes, Monzo Home Insurance is only available to Monzo customers. But it’s quick and easy to apply (plus you get one of its iconic Hot Coral-coloured cards). That’s one less login to remember and it takes away the need for physical paper documents to be found when they're needed most. Is it simple to get a Monzo Home Insurance quote today?All Monzo users have access to starting a home insurance quote in the Monzo app. Just click on the plus symbol at the top right of the app, and find the home insurance offering.Monzo asks questions about your property and the level of cover you’re looking for in order to generate a personalised quote. Once accepted, all the policy information is easy to find within the app. You’ll never be left wondering where your policy documents are or when the renewal date is again. Monzo Current Account required and must be open for the whole insured period. Underwritten by Chubb. UK residents aged 18+. Ts&Cs, excess and exclusions apply.Information is correct as of August 2026. For the most up-to-date information, check the Monzo app or website.