Age Co home insurance review

  • Up to £55 reimbursement for cancellation fees
  • Cover for up to £1,000 in money at home
  • 24-hour emergency helpline

Age Co logo

Age Co logo

Who is Age Co?

A branch of UK charity, Age UK, Age Co offer a range of financial products aimed at people over the age of 50. Age UK home insurance was rebranded to Age Co in 2018.

From house insurance for over 70s to over 50s car insurance policies, Age Co offers a variety of insurance policies, as well as breakdown cover, funeral plans and an equity release advice service.


>> Get a home insurance quote with Age Co <<<



Home insurance packages – what they have to offer

Age Co’s home insurance product is rated 5 stars by Defaqto, offering the three core levels of home cover: buildings insurance, contents insurance and combined buildings and contents insurance.

When switching your home insurance policy to Age Co, you will be refunded any cancellation fees charged by your previous insurer (up to £55).

Age Co buildings insurance

Age Co’s over 50s buildings insurance policy is designed to protect the foundations of your home. It is intended to cover the cost of repairing damage to the building itself as well as any fixtures and fittings (like a fitted kitchen or bathroom). It will also protect you in the worst-case scenario that your home requires a complete rebuild.

AgeCo’s over 50s buildings insurance covers:

  • Fixtures and fittings
  • Garden walls
  • Outbuildings (sheds, garages, etc.)
  • Paths, patios and drives
  • Rebuilding costs (up to £500,000)

With buildings insurance, your personal belongings are not covered – the protection provided is solely for the building itself.

AgeCo buildings insurance does not provide cover for any malicious damage caused by you or a family member or any damage caused by domestic animals – your insurance is also void if your property is deemed ‘unoccupied’.

When getting buildings insurance with Age Co, be sure to check and understand the terms and conditions of your policy so that you know exactly what you're covered for.

Age Co contents insurance

Unlike buildings insurance, contents insurance is designed to protect the possessions held within your home. If your property is damaged or broken into, your belongings will be covered against both damage and theft – as a rule of thumb, the ‘contents’ covered by contents insurance is whatever you’d take with you when moving home.

This includes:

  • Furniture (sofas, wardrobes, beds, etc.)
  • Entertainment (TVs, games consoles, etc.)
  • Kitchenware (cutlery, crockery, microwaves, etc.)
  • Soft furnishings (bedding, cushions, mattresses, etc.)
  • Locks/keys
  • Clothes
  • Jewellery
  • Ornaments
  • Credit/debit cards & cash
  • Food in your freezer

Age Co’s over 50s contents insurance also provides funding for alternative accommodation if your home cannot be lived in for a period of time, as well as cover for accidental damage at an extra cost.

Basic contents insurance covers up to £60,000, while increased cover of £100,000 is also available (subject to terms and conditions).

Age Co contents insurance doesn’t cover damage caused by wear and tear or mechanical breakdown, while damage to laptops, hand-held technology and musical instruments is also excluded.

It is important you understand exactly what you are covered for when getting a contents insurance policy, so ensure you check with Age Co before agreeing to it.

Age Co house and contents insurance for seniors

As perhaps expected, Age Co’s over 50s buildings and contents insurance combines the two levels of cover to provide one comprehensive home insurance policy.

For example, if your house is affected by flood damage, you will be covered for both the damage done to the property itself as well as any affected contents – this is the recommended cover for all homeowners.

Age Co buildings and contents insurance includes cover against:

  • Fire, lightning, explosions and earthquakes
  • Floods/storms
  • Impact from a vehicle or animal
  • Malicious damage
  • Oil/water leaks
  • Theft/attempted theft
  • Falling trees, lamp posts, etc.

Additional extras

While an Age Co home and contents insurance policy offers comprehensive cover, you can purchase various optional extras to increase your level of cover on any Age Co home insurance policy.

These optional extras include:

  • Accidental damage – to both buildings and contents, up to the maximum claims limit displayed on your policy.
  • Unspecified personal belongings – such as bicycles, wheelchairs and other personal belongings taken outside the home (limited to between £1,000 and £5,000).
  • Specified personal belongings – for expensive items that you have specifically listed in your policy.
  • Static caravan – up to £35,000 for the caravan and £2,500 for equipment.
  • Touring caravan – up to £25,000 for the caravan and £2,500 for equipment.
  • Home emergency – includes things like heating/boiler failure and the removal of wasp nests, mice or rats.
  • Personal legal protection – up to £100,000 towards legal action for everything from employment disputes to personal injury and clinical negligence.

Age Co home insurance exclusions

As is the case with any type of home insurance policy, there are a few exclusions to an Age Co policy.

Some of the significant exclusions include

  • Loss/damage caused by the weight of snow
  • Theft/attempted theft when part of your home is occupied by somebody outside of your family (unless damage was caused upon entry)
  • Loss or damage to gates/fences caused by flooding
  • Property that is covered by another policy
  • Any criminal/malicious act by you or a member of your family
  • Loss or damaged caused by wear and tear/lack of maintenance

How much does Age Co home insurance cost? – Finding the cheapest home insurance

You might be wondering: ‘how can I get cheap home insurance?’ Well, home insurance prices can vary from property-to-property, but the average cost of a home and contents insurance policy in the UK is around £160.

When calculating your individual policy, companies like Age Co will take into consideration:

  • The size of the property
  • The type of property
  • Whether or not the property is ‘listed’
  • Your address
  • Your claims history
  • Your excess
  • Your home security

The best way to find out exactly how much you can expect to pay for home insurance is by getting a free quote with Age Co; there’s no obligation to buy and it takes just a matter of minutes.


>>> Get a home insurance quote with Age Co today <<<


Age Co home insurance: The pros and cons


  • Loss or theft of keys is covered as standard
  • Protection against damage to items in your garden
  • 24-hour emergency helpline
  • Cover for up to £1,000 for money in the home
  • Refunded cancellation fee from previous provider (up to £55)


  • Sewer pipe blockage not covered
  • £600 limit for contents outside the home

Age Co home insurance FAQs

Is Age Co house and contents insurance for over 60s?

Age Co’s insurance policies are tailored to suit those aged 50 and up, but the cover they offer is not exclusive. Anybody of any age can take out insurance with Age Co.

What is different about insurance for over 50s?

While this may be something of a stereotype, it is generally true that those aged over 50 are a lower risk when it comes to home insurance as they are less likely to cause damage to their home – this is how insurers like Age Co are able to offer cheaper home insurance premiums for seniors.

When taking out over 50s home insurance, there are a number of things you’ll need to consider. For example, those within this age group often have larger, more expensive family homes filled with valuable items that have been collected over a long period of time – these will all need to be covered by your insurance.

People aged over 50 also tend to have more free time, meaning they spend more time away from their home. If you plan on being away for an extended period of time (more than 30 days), you’ll need to inform your insurer that your home will be ‘unoccupied’.

Can I cancel my home insurance policy?

Yes – you can cancel your Age Co home insurance policy at any time if you are not satisfied with your level of cover. You can do this by contacting Age Co either over the phone or by writing to them, and will only be charged for the period of time that you were covered for.

There are no fees applied for policy amendments or cancellations.

How are Age Co claims settled?

All contents insurance claims are settled on a ‘new for old’ basis, meaning that damaged items will be repaired (if possible), but anything else (stolen or damaged beyond repair) will be replaced as new.

Claims made on buildings insurance are based on the cost of the full repair or, if necessary, rebuilding cost (up to the limit set on your policy).

Does my policy automatically renew?

Yes. If you are paying for your policy via Direct Debit, it will automatically renew at the end of its current term. You will be informed of your renewal price and given the chance to decline it in good time before your policy expires.

How will I know if a claim is covered by my policy?

When you first take out your policy, you will be sent a booklet of all the inclusions and exclusions in your policy.

If, after reading this booklet, you are still unsure whether or not your claim will be covered, you should contact Age Co directly.

How long does a home insurance claim take to settle?

Some home insurance claims will take significantly longer to resolve than others.

A home insurance claim can take anywhere from a day to a year to settle, depending on the severity of your claim.


Customer experience – Age Co home insurance reviews

Existing Age Co customers have left hundreds of reviews on review websites like Feefo, which can be used to assess the quality of service they provide.

Customers on Feefo rated Age Co’s home insurance an average 4.5/5, with the vast majority of customers giving them an impressive 5 star rating.


Age Co home insurance Trustpilot review

69% of customers rated Age Co’s insurance services with the highest possible 5-star rating, with individual reviews expressing delight at how efficiently their home insurance claims were handled, the quality of service provided and the competitive pricing on offer.

As can be expected, there were also some negative reviews, mostly in relation to the service received over the phone and people finding the online application form difficult to navigate.

Home insurance with Age Co

If you’re looking to renew your home insurance policy and looking for a great deal, then Age Co might be right up your street!

To get a free home insurance quote with Age Co, click the green button below.

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