Home insurance in London can cost more or less depending on factors such as your postcode, property type, claims history, security and the cover you choose. A suitable policy may include buildings cover, contents cover, or both, with optional protection for risks such as accidental damage, bicycles, subsidence and home emergencies. If you rent out the property or live in a listed building, standard cover may not be appropriate. Compare policies on the cover limits, exclusions and excesses as well as the price, and check details with an FCA-authorised insurer or broker.