Can I get free insulation?
Quick answer
You may be able to get free or part-funded insulation through ECO4, the Great British Insulation Scheme or Warm Homes funding if your home has an EPC rating of D-G and your household is on a lower income, receives qualifying benefits, or includes a vulnerable occupant.
Who may be able to get free insulation?
Free insulation is most commonly available to households on a low income, those receiving qualifying benefits such as Universal Credit or Pension Credit, and homes with a vulnerable occupant. Local authorities can also refer households who do not receive benefits but meet local criteria (often called LA Flex).
What types of insulation may be covered?
- Loft insulation top-ups to current standards
- Cavity wall insulation in suitable properties
- Solid wall insulation (internal or external)
- Room-in-roof insulation
- Underfloor insulation in some cases
Why EPC rating matters
Schemes target homes with EPC D-G because the impact of insulation is highest there. If your home is rated A-C, you may not match the most common criteria, but local schemes can still apply.
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Do you need to be on benefits?
Not always. While benefits-based eligibility is the most direct route, councils can refer lower-income or vulnerable households without benefits. A surveyor or installer can advise on the best route for your property.
Can tenants apply?
Yes, tenants can often apply with the landlord’s permission. Some schemes are designed to be tenant-led. Social tenants typically access support via their housing provider.
Can landlords apply?
Landlords may be eligible to upgrade their rental properties under ECO4 and other schemes. Contributions are usually expected, particularly for solid wall measures.
Check your options
Use our free checker to see whether your home and household match the most common criteria.
DisclaimerThis page is for guidance only and does not guarantee eligibility. Final approval depends on the relevant scheme provider, local authority, installer assessment and property survey.
Frequently asked questions
Is loft insulation always free?
No. It is free for eligible households under ECO4 or local schemes. Otherwise contributions may apply.
Will insulation cause damp?
Properly installed insulation does not cause damp. A pre-install survey checks ventilation and suitability.
Can flats get free insulation?
Yes, depending on construction, ownership and the freeholder’s permission.
Do I need to be on benefits to apply?
Not always. Many schemes also accept lower-income households or households with vulnerable occupants under local authority flexible eligibility (LA Flex).
Does this checker guarantee funding?
No. It is a guidance tool. Final eligibility is confirmed by the relevant scheme provider, council or approved installer.
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