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Guide To ASDA home insurance

By Eamonn Turley
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Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.


Expertise: Digital Marketing, Insurance, Home Insurance, Vehicle Insurance, UI Design
from the MultiQuoteTime Editorial Team - Fact checked

The team at InsuranceQuotesNI will fact-check content to ensure accuracy at the time of writing. In addition, we also review and update content on an ongoing basis. We aim to keep the content fresh and useful. If you are considering applying for any of the products, please take note that it is important that you read the terms and conditions that are applicable.

August 2023

Everyone is familiar with the ASDA brand, like other food chains TESCO for example, ASDA have ventured into the insurance and financial sector. They do not provide insurance directly, but have a panel of insurance companies that they use. If you check out their website, you will see terms like "best value for money", our aim is to save you both time and money. Take that as you see fit, but it is always advisable to compare other providers of home insurance as it is a very competitive market and new deals enter the marketplace daily.

ASDA Money home insurance policies are underwritten by Royal & Sun Alliance Insurance plc

Your house is much more than a roof over your head or a place to live. It is where you make beautiful memories; you can be your real self and be safe and comfortable. That’s why it is important to keep it safe and secure from unfortunate events like fire, storm, flood, theft, and vandalism, which can unexpectedly happen anytime.

That’s where ASDA home insurance comes in. ASDA home insurance is an insurance policy that offers flexible and a range of optional cover options for your homes and belongings. It is flexible because it has optional elements to tailor your needs and preferences. ASDA home insurance can help you devise the perfect policy for your home.

That’s where ASDA home insurance comes in. ASDA home insurance is an insurance policy that offers flexible and a range of optional cover options for your homes and belongings. It is flexible because it has optional elements to tailor your needs and preferences. ASDA home insurance can help you devise the perfect policy for your home.

What is ASDA home insurance?

ASDA home insurance is a product that provides cover for your houses and contents against specifically mentioned causes of loss or damage.

Levels of Cover

ASDA home insurance offers two levels of coverage.

  • Standard Cover  – The standard cover provides primary insurance protection for your buildings and contents.
  • Superior Cover – The superior cover provides additional benefits and higher limits of coverage. You can choose to insure your house only, your contents only, or combine all properties.

As with all insurance policies, limits and exclusions will apply, so do check these to understand these or to negotiate different limits in advance if taking out your home insurance policy.

Features of ASDA Home Insurance

Here are some of the main features and benefits of ASDA home insurance:

Buildings Cover (if selected):

This covers the physical structure of your property as well as its permanent fixtures and fittings, such as fitted kitchens and bathrooms. It also covers alternative accommodation costs if your property becomes uninhabitable due to an insured event.

These events include property owners’ liability if someone is injured or their property is damaged due to your negligence, locks and keys replacement if they are lost or stolen, and legal fees to remove squatters. It also includes home emergency coverage.

Contents cover (if selected):

This covers your personal belongings within your property, such as furniture, appliances, clothing, jewellery, electronics, etc.

  • It also covers visitors’ contents if they are damaged or stolen while on your property, office equipment and furniture if you work from home, replacing deeds and documents if they are lost or destroyed.
  • It covers freezer food if it spoils due to an insured event and temporary removal of contents if they are in transit or storage due to an insured event. It also includes contents in the open if they are within the boundaries of your property,
  • It also offers alternative accommodation costs if your property becomes uninhabitable due to an insured event, occupiers’ and personal liability if someone is injured or their property is damaged due to your negligence,
  • The contents cover also offers locks and keys replacement if they are lost or stolen, and theft from outbuildings, sheds or garages.

Optional Extras

In addition to the standard features and benefits of ASDA home insurance, you can also choose from a range of optional extras to enhance your coverage and tailor it to your needs. These include:

  • Accidental damage.
  • Personal items
  • Gadgets technology and entertainment
  • Garden tools and furniture
  • Pedal cycles
  • Home emergency assistance
  • Legal expenses cover

Finding the right home insurance NI or UK can be tricky, confusing and time-consuming. There are so many options available in the insurance industry. There are various features of insurance policies to choose from, and also one must get the best value for money. You must get the quotes compared through a reliable website and select the best option for your home insurance policy.

What does ASDA home insurance cover?

ASDA home insurance covers your homes against mentioned causes of loss or damage, such as fire, storm, flood, escape of water, theft, vandalism, subsidence, and impact. The exact cover and limits depend on the standard or superior level of cover you select for the property.

What does ASDA home insurance not cover?

ASDA home insurance does not cover everything. There are some exclusions and limitations that apply to your policy, which you should be aware of before you buy. Some of the main exclusions and limitations are:

  • Excesses
  • General maintenance, wear and tear
  • Leaving empty for longer than stipulated in home policy (can be as short as 30 days)
  • Read the policy for full details of what is and what is not included.

These are like any policy exclusions and limitations on the home cover provided. You must have to read the written policy carefully and thoroughly to understand the limits of coverage within your policy and your obligations as a policyholder.

How to get a quote for ASDA home insurance?

It’s simple and quick to request a quote for ASDA home insurance. You can do it by phone or online.

  • Provide your basic details (Personal details, Property details and Insurance Needs)
  • Get a quote from ASDA Home Insurance
  • Compare it to the other quotes by different providers
  • Select the best available option considering your budget and requirements

You can purchase the policy online or over the phone if you are satisfied with the quote.

Compare Home Insurance

ASDA insurance services competes in a very competitive marketplace and are against online brands that include Freeway home insurance, The Co Op, TESCO  and less well known entities that include Elephant home insurance. With so much choice, it is wise to get a range of quotes on your journey to find a good and affordable and comprehensive home insurance policy.

Insurance Quotes NI Does not recommend any insurance Companies. Services offered by this provider may change over time. Always check Ts&Cs.

Who Provides Home Insurance?

Most if not all high street and web based insurance companies will offer home insurance, we have listed some of the better known providers below.

*51% of consumers could save £222.30 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024. The  savings you could achieve are dependent on your individual circumstances.

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