The cost of home insurance and contents insurance depends on the property you live in and your area. However, it is possible to save money by improving security, having a higher excess and even belonging to a Neighbourhood Watch Scheme. Most insurance will offer you buildings cover, contents insurance and both - by combining home and contents, as opposed to two separate policies, you can sometimes save money.
With contents insurance it's important to check what items are covered and whether the policy offers 'new for old'. You may also need additional cover for expensive items and items such as bicycles. Home Emergency Insurance is also available - useful if you need someone to fix your problems 24 hours a day, 7 days a week.
Get more than one quote if possible! Prices do vary, so shop around.
Ask your friends! Find out who they recommend and who they don't!
Compare quotes with your current policy - make sure you're getting a better deal.
Use the same insurer - you may get discounts if you already have a policy with them.
Increase your excess. A higher excess will mean lower premiums.
Pay for the cover that you need.
