Even though the press and media are always telling us to shop around for the cheapest home insurance quote, it can be hard to do so if you don't know where to start. Here, we tell you where to look for the best home insurance quotes and how to make sure you get the best price.
Did you know that being too comfortable is the main reason we pay too much for our insurance? Not only home insurance, but also car insurance. Your current insurance company sends you a renewal notice once a year. The premium doesn't look much more expensive than it was last year. So, you decide to stick with the same insurance company because it's easier (and dare we say it, because you're just plain lazy!).
Big mistake!
Even if you're happy with your current insurance company, you should still shop around if you want to pay less for insurance, if only to make sure you're getting the best deal.
And this doesn't have to take up a lot of your time. You don't have to walk up and down the High Street or make a lot of phone calls. You can do it quickly and easily from your PC.
When you use the internet to look for home insurance quotes, it's fast, free, and you don't have to talk to anyone, which saves you time and effort. You can also do it 24 hours a day, 7 days a week, so you can do your research whenever it's most convenient for you.
And because the insurance company has less work to do when you get quotes and buy online, they can give you discounts, usually between 5 and 15 percent off the normal premium.
Lastly, get at least three quotes for home insurance so you can compare prices, terms, and conditions. This will help you find the best policy at the best price. Try to get quotes for the same thing from each company so you can really compare prices. Don't make the mistake of going with the cheapest premium without checking to make sure that the coverage isn't less.
