Which UK city is most expensive for home insurance?

When you’re deciding where to live there are lot of factors to consider, proximity to friends and family, job opportunities, quality of schools, % of pubs per capita and of course cost of living.

With a big chunk of that monthly pay cheque going towards rent or a mortgage we know it can differ quite significantly from city to city, but what about your home contents insurance?

That’s one of the fun questions which keep us up at night here at Urban Jungle so we decided to find out.

Let’s look at the numbers

We started digging deep into our data. We looked at a sample dataset of nearly 3,000 quotes for a typical 2-bed flat, in 10 of the UK’s largest cities plus London).

Surprise, surprise, London is among the most expensive cities to insure your home, but it might be surprising that Manchester puts up a good fight!

Want cheap home insurance? It’s time to move to Edinburgh or Cardiff which are the cheapest on average.

Cities ranked by average price
RankingCity
1Edinburgh
2Cardiff
3Glasgow
4Bristol
5Sheffield
6Liverpool
7Birmingham
8Bradford
9Leeds
10East London
11South London
12Manchester
13North London
14West London

Is that the whole story?

The data geeks among you will have already spotted that the average isn’t everything. How much does it vary within it a city?

Well let’s find out by looking at the cheapest postcodes within each city…

Cities ranked by price in cheapest district
RankingPostcode DistrictCityMovement
1BS37 4Bristol+3
2G65 0Glasgow+1
3EH14 4Edinburgh-2
4S35 2Sheffield+1
5L38 1Liverpool+1
6N18 2North London+7
7CF14 6Cardiff-5
8SE13 6South London+3
9LS1 1Leeds
10B43 7Birmingham-3
11E1W 9East London-1
12BD13 5Bradford-4
13M34 3Manchester-1
14W9 4West London

Edinburgh has to give up it’s top spot to Bristol, but Cardiff stumbles all the way back to 10th, with North London being the biggest winner and now coming in at place 6.

Living in CF11 6 might be more expensive than you think.

This big movement seems to suggest that within certain cities there’s quite a big difference in price depending on which postcode district you live in.

How much difference could where I live make to my home insurance?

Quite a lot it turns out.

We calculated the difference between the cheapest and most expensive district within a city.

Even in Cardiff, which has the smallest range of prices, it might cost £52.58 more to live in CF24 5, than in CF14 6.  In North London, that rises to £387.89 difference between N18 2 and N6 5.

Cities ranked by price difference between postcode districts
RankingCityPrice Difference
1Cardiff £52.58
2Edinburgh£83.62
3South London£93.74
4West London£94.43
5Bradford£102.23
6Glasgow £102.80
7Birmingham £113.95
8Sheffield£154.84
9Manchester £186.76
10East London £198.90
11Leeds£213.53
12Liverpool£261.87
13Bristol£305.30
14North London£387.89

This seems to suggest that the area within a city you live might have an even bigger impact on the cost of your home contents insurance than the city itself. Mind blowing, right?

So insurance may well cost £15 more if you live in Edinburgh than on Edinburgh road in West London.

We suggest that when you’re moving house you try to take into account all of the costs of living in the area, so you can plan accordingly.

About Us

Urban Jungle is an home insurance provider, which focuses on renters, and not only helping them to find great cover, but also helping them with the challenges of a life renting in the city.

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The data in this article was captured in the summer of 2017, and is based on the cheapest quote from our panel of insurers for an example 2 bed property in each city postcode. For an accurate quote for your personal circumstances, you can get a quote here.