Moneyfacts has announced the 2026 Annual Star Ratings for home insurance, home emergency cover and landlord home insurance, reflecting detailed product assessments across the UK general insurance market.
Across buildings insurance, 85 products achieved a Five-Star Rating, with 37 receiving Four Stars and 22 awarded Three Stars.
Within contents insurance, 86 products were awarded Five Stars, alongside 34 Four-Star and 23 Three-Star ratings.
Each policy was assessed against more than 140 data points.
In the home emergency category, the number of qualifying products fell year on year.
For 2026, Moneyfacts issued 85 Five-Star Ratings, 34 Four-Star Ratings and 26 Three-Star Ratings, using analysis of more than 40 product fields.
Landlord home insurance products were evaluated across more than 120 criteria.
The outcome was 21 Five-Star Ratings, 19 Four-Star Ratings and 19 Three-Star Ratings.
Moneyfacts Star Ratings recognise products offering the most comprehensive cover and strongest feature sets relative to competitors.
The methodology is designed to provide consumers and intermediaries with an independent benchmark of policy depth and quality.
According to Moneyfacts research, nine in 10 consumers said an impartial Star Rating influences their decision when selecting a financial services product.
Samantha Owens, Star Ratings and personal finance analytics manager at Moneyfacts, said: “For those looking to take out cover for their homes, the Moneyfacts Annual Star Ratings for home insurance, home emergency and landlord home insurance can offer guidance towards the most complete products.
“Covering polices available to new customers; the ratings assess all the product features available and then apply a star for the level of cover it offers.
“Those products with the most comprehensive range of features will achieve the highest ratings so those looking for a policy can filter based on their specific needs and budget, ensuring they are getting the most reliable product when finances are already stretched.”
Angelique Chard, head of product and distribution at Frontier Home Insurance, added: “Moneyfacts is widely regarded as one of the most trusted and independent voices in the financial services industry, so receiving a Five-Star Rating in the 2026 Moneyfacts Home Insurance Star Ratings is a tremendous endorsement of the work we do at Frontier Home Insurance.
“These ratings are an important benchmark for the sector, providing customers with clear, unbiased assurance that they are choosing products built on transparency, fair value, and dependable protection.
“Achieving the highest rating reflects not only the strength of our cover but also our unwavering commitment to delivering comprehensive solutions that put customers first.”
