How to cut home and contents insurance premiums
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Quick answer: Shop around every renewal, increase security (locks, alarms), join a Neighbourhood Watch scheme where insurers offer discounts, avoid accidental damage cover you do not need, and set accurate sums insured — over-insuring wastes money, under-insuring voids claims.
Home insurance renewal is a annual comparison task. Loyalty rarely pays even after FCA pricing reforms — different insurers weight flood risk, occupation and claims history differently.
Last reviewed:
Read the full insurance guide →Primary source: www.abi.org.uk/products-and-issues/topics-and-issues/home-insurance
Before you renew
Update sums insured for extensions, new kitchens and higher-value contents. Recalculate rebuild costs every few years — construction inflation moves faster than CPI.
Common questions
Should I use a broker?
Useful for non-standard risks — flood, subsidence history, thatched roofs. Standard homes are fine on comparison sites.