"As couples and families may often live in larger properties and own more possessions, this can sometimes contribute to higher premiums."
- Amy Rootham - Compare the Market
New research from Compare the Market has found that married homeowners are paying 31% more for their home insurance premiums than single-person households.
According to the data, married homeowners paid £213 on average for home insurance in May 2026. Meanwhile, single homeowners are the cheapest marital status group to insure, having paid £162 on average in the same month, a £51 difference when compared to their married counterparts.
Homeowners who are in civil partnerships and those cohabiting also paid lower premiums on average than homeowners who are married, with the former paying an average of £177 and the latter an average of £179.
Compare the Market says that higher insurance costs for married households may reflect the types of homes they insure, as couples and families may be more likely to live in larger homes with higher rebuild values and cover more possessions under one policy.
Despite higher premiums for married couples, the cost of insurance for this group has fallen consistently year-on-year since 2024, dropping by 12%. This downward trend also applies to civil partnered and single homeowners, both of which saw an 18% drop in the cost of insurance, and cohabiting homeowners, where the cost fell by 17%.
Meanwhile, joint home insurance policies came to £208 on average, making them 19% more expensive than home premiums for sole policyholders, which cost £175 on average.
Premiums for joint policies have also fallen by 13% since 2024, which Compare the Market describes as offering some relief for homeowners looking to include another person on their policy.
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"Home insurance premiums can vary based on a wide range of factors, including the size of a property, the value of its contents, and the number of people living in the home," Amy Rootham, home insurance expert at Compare the Market, said. "As couples and families may often live in larger properties and own more possessions, this can sometimes contribute to higher premiums. Married or cohabiting households may also be more likely to insure higher-value items under a single policy, which can increase the overall cost of cover.
"While joint policies can be a convenient way for households to manage their home insurance, they may not always be the cheapest option in every circumstance, particularly if one policyholder has a previous claims history or a high-risk occupation.
"That’s why it’s always important for homeowners to regularly review their policy details to make sure their policy is a true reflection of their living arrangements. It might also be helpful to compare quotes to make sure they are getting the right deal for their circumstances at a great price."
