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How to get the best deal on your home insurance

How to get the best deal on your home insurance

Regularly switching your home insurance provider is a smart thing to do if, like most people, you want to save money. Figures from the insurer Policy Expert show that, on average, its customers save £71 by doing just that. And those with bigger, more expensive homes to insure could save hundreds.

Cheapest deal could spell trouble for you

Some consumers are ‘super’ switchers who change their home cover every year, others are more ‘standard’, less pro-active, and do so every 4 years or less.

But whatever type of switcher you are – ‘super’, ‘standard’ or ‘slow’ – simply going for the cheapest deal doesn’t always mean you’re getting the cover you need.

Not all home cover policies provide the same level and type of cover and, unless you want to be caught out if you have to claim, you need to make sure the policy you buy suits your circumstances and cover needs.

Getting cover right

Here are a number of tools and approaches to buying home cover to help you get it right, but still at the best possible price.

  • Calculate your level of contents cover – Most people underestimate the value of the possessions in their home, which should include fixtures and fittings, by thousands of pounds. It’s important to get it right if you’re not to be left out of pocket when you claim. There are a number of online calculators to help you do so, such as the AA
  • Single claim limit – Home insurance policies have a maximum claim limit per item. In most cases this is around £1,500, but it could be more or less. You need to check and compare the limit with any particularly valuable items you might own.
  • Check re-build costs – Your home should be insured for no less than the amount it would cost to re-build it from scratch, rather than market value. The Association of British Insurers has a free calculator you can use.
  • Live in flood area? – Your insurer needs to know if you live in an area designated at high risk of flooding, otherwise it could invalidate your cover. Check using the Governments flood map by simply entering your postcode.
  • Exclusions – Not everything is automatically covered; some policies include cover for bicycles, others don’t, for example. You should decide what’s vital and check it’s not excluded.
  • Improve your home’s security – From fitting double glazing to British Standard five-lever locks and alarms; there are many ways to improve your home’s security, which could lead to lower cover costs.
  • Compare policies – Once you’ve sorted out all the key elements and information you need, you can compare polices. There are a number of well-known online comparison sites that help you do this, such as, or you could call an insurance broker to do the leg work for you (and possibly help you avoid making any errors as well as explaining things you may not quite understand).
  • Haggle – It never hurts to suggest you won’t take out cover with an insurer unless they reduce any quote you get still further!

Policy Expert

As an online insurer, Policy Expert help our customers to compare insurance products and find a policy that’s right for them. Customer care is at the heart of everything we do and we have a dedicated customer service team on hand by phone, email, twitter and instant chat. For more information on Home Insurance from Policy Expert, you can call our experts on 0330 0600 600 or visit for more ways to reach us.


Published 22 June 2017