Right,to give you some facts:~
I was born in 1923 and fought right through WW2.
During (and well before WW2) most working class people did not have house/contents insurance,if it existed,and I am not sure that it did.
If it DID then Insurance Companies (even now) do not pay out for "Acts of War"so certainly wouldn't have then.
If your house was bombed you got NO compensation for anything,not even contents.You had to move in with relatives/friends,or if you had some income you could rent a house or flat.
Of course many women's husbands were away fighting,so they had very little income,and even less choice of where to live.
This is why there were so many Council Houses built so soon after the war,as many people were living in cramped (or overpriced) conditions;obviously they could not afford to buy a house,and before the war very few people had mortgages anyway;about 90% of people rented.
Basically,if your were bombed out you gathered up what you could,and hoped that a neighbour or relation would help you.
My Mother was killed when her house was bombed,and my 4 siblings had to go and live with my Aunt who already had 4 kids at home,and no man to support her/them.
Maybe I should write a book about this side of the war,the "forgotten" women and kids who had to put up with some awful experiences and living conditions.
To a certain extent we in the Army had it easy.At least we had a roof over our heads (most of the time) and food in our stomachs(always) and money in our wallets(even if it wasn't that much).
So to summarise an answer for you.
The Governments answer was~
"Get on with it,and don't expect much help from us"
It was the women and kids that really suffered.