Does Wisemium sell home insurance?

No. Wisemium keeps your policy and its renewal date on record. Quotes come from Quotezone, an FCA-authorised comparison service, and the policy is with the insurer you choose.

Do I need buildings cover if I rent?

Usually not: the landlord insures the building. Contents insurance covers your own belongings.

Will Wisemium tell me when my renewal is due?

The renewal date is shown in Wisemium as needing attention before it arrives. Wisemium does not send renewal messages yet.

Home insurance

Know what your home is covered for, keep the renewal date in view, and get quotes when you’re ready.

Wisemium keeps your buildings and contents cover alongside the rest of your home: the rent or mortgage, the energy, the council tax. The renewal date sits with them, so it never renews unread.

Add my home insurance View home insurance quotes

Quotes come from an FCA-authorised comparison service, not from Wisemium. Wisemium does not give insurance advice.

Your home insurance at a glance

Cover: Buildings, contents or both
Insurer: From your policy
Premium: From your policy
Renewal date: Shown before it arrives

Example. Your own details appear once you add them.

Where are you with your home insurance?

My policy is renewing

Check the price against last year’s, the sums insured and what has changed at home.

The renewal checklist

I’m moving home

Cover from the day you get the keys, and the new address on the old policy.

Insurance when you move

I rent

Your landlord insures the building, not your belongings.

Contents cover for renters

Your home insurance year

Policy active
Kept on record
Buildings, contents or both, the insurer, the premium and the renewal date, as you confirm them.
A few weeks before renewal
The notice arrives
It shows the price for the year ahead with last year’s beside it.
Review cover
Check the sums insured
The rebuild cost, the contents value, single items above the limit, and anything that has changed at home.
Get quotes if needed
Compare with a provider
Quotezone, an FCA-authorised comparison service, shows the options available to you.
Confirm your policy
Save the outcome
Renewed or new, add the policy so the new premium and renewal date are on record.
Continue
Kept for next year
The date stays with your home, next to the other bills.

What you need for a home insurance quote

0 of 9 done

The property

Type of home, when it was built and the number of bedrooms
Wall and roof construction
Locks on doors and windows, and any alarm

The sums insured

The cost to rebuild, not the market value
The cost to replace your contents new
Single items worth more than the policy limit

You and the household

Claims in the last five years
Who lives there, and whether anyone works from home
Whether the home is ever let or left empty

Nothing you tick here is saved. Add your policy to Wisemium and its renewal date is kept with it.

Buildings and contents

Buildings cover the structure and fixtures; contents cover your belongings. A mortgage lender usually requires buildings cover; a tenant usually needs contents only.

Rebuild cost, not market value

The buildings sum insured is what it would cost to rebuild the home, which is often different from what it would sell for.

Renewal price rules

Since January 2022 an insurer cannot quote you more to renew than it would quote a new customer for the same cover through the same channel.

Property responsibilities

Home emergency and boiler cover

What it is. Insurance for a sudden emergency at home: a boiler breakdown and, at higher levels, central heating, plumbing and drainage, electrics, pests and lost keys. It is separate from buildings and contents insurance.
Before you choose. A 14-day waiting period applies, the boiler must have been serviced in the last 12 months, and each level has its own claim limit, excess and exclusions.

Smart Cover offers four levels, from Smart Boiler to Smart Home Plus. From £7.90 a month for Smart Boiler Essential with a £99 excess, with up to 50% off for 12 months until 21 October 2026, as stated by Smart Cover. Smart-Cover Direct Limited (FRN 600428) is an Appointed Representative of City and Commercial Limited (FRN 314346). It sets the cover, the excess and the price; Wisemium does not give insurance advice.

Get a quote Already covered? Add the policy

Add the policy once you have it. Wisemium keeps its renewal date with your home’s other responsibilities.

Opens Smart Cover’s site in a new tab.

Common questions

Does Wisemium sell home insurance?: No. Wisemium keeps your policy and its renewal date on record. Quotes come from Quotezone, an FCA-authorised comparison service, and the policy is with the insurer you choose.
Do I need buildings cover if I rent?: Usually not: the landlord insures the building. Contents insurance covers your own belongings.
Will Wisemium tell me when my renewal is due?: The renewal date is shown in Wisemium as needing attention before it arrives. Wisemium does not send renewal messages yet.