Changing your home insurance provider can bring several benefits; you could make substantial savings; and it also gives you a perfect opportunity to ensure you have the right level and type of insurance cover for your property and belongings.

A couple of words of warning though! First, if you cancel a policy mid-term there may be a cancellation fee to pay. And second, although one aim of switching can be to save money, it’s important to make sure you have the right level of cover and this may not always be the cheapest.

Step 1. Re-assess the cover you need


Calculate the current rebuild cost of your property i.e. if the whole building needed to be demolished and replaced with a same size, similar style home. If your previous rebuild cost valuation is more than five years old it will probably be out of date.

If your home was built after 1850 and is of ‘standard construction’ i.e. brick or stone walls with a tile or slate roof, then you can use the BCIS Rebuild Calculator

If, however, your home is a period property or of non-standard construction you need to ask a chartered surveyor to assess the rebuild cost for you.


Start by listing all the items in each room and research online, or ask a specialist in the case of antiques or rare items, to find a current value for each item.

Ensure you specifically make a note of any high risk items valued over £1,500 each as these will need to be individually listed to be fully insured in the case of many insurers.

TIP: Don’t forget to include any new items purchased to be given as gifts, or new items received at birthdays, Christmas, engagement, wedding etc.

Add up the value of all the items to find out your ‘contents sum insured’ value needed.


Decide whether you need any additional cover:

  • Accidental damage –  Get protection against damage or loss caused by unintentional and unpredictable mistakes.
  • Cover away from the home – If there are any items you would like to be insured whilst in your possession out and about, UK and abroad, these will need to be specified.
  • Full legal expenses cover to help you if you need to get legal advice during the year.
  • Full home emergency cover to assist in the case of any plumbing, roofing, electrical emergencies in the house.

TIP: If you have a grown-up child living away from home in student accomodation, you can opt to have their belongings covered by your contents insurance. Be sure to list any laptops, tablets and mobile phones separately and with ‘away from home’ cover.


Make sure you remember and include in the quote details any changes to your circumstances, such as:

  • Changed name (marriage, divorce), changed occupation, changed address, changed number of family members living with you in the home etc.
  • Taken in a lodger, a foster child or anyone else not part of your immediate family.
  • Set up a home business, be it selling goods on eBay or or selling homemade jams at local markets.
  • Recently had an extension built.
  • New kitchen or bathroom fitted.
  • Someone in the family has had a criminal conviction, that is still unspent – this even includes fines imposed by a local authority and police cautions.
  • You have made an insurance claim, whether it was paid or not.
  • Flood defences have been installed locally.
  • Your home has become ‘listed’ or named as part of a conservation area.
  • You’re planning or have completed major structural renovations.

Step 2. Use comparison websites

There are four popular comparison websites:

  • MoneySuperMarket
  • Compare the Market
  • Go Compare

Choose your favourite comparison website and enter all your building, contents and personal details into the quote form.

NOTE: If there are two or more adult ‘owners’ either of property or belongings in the home each individual should be listed as a policyholder. This is particularly important to note on your quote form details if the property is mortgaged in more than one name.

A list of all quotes available for your situation will be shown. Click through to a few of the insurer’s websites and complete the details to see a final price.

Don’t forget that not all insurance companies are listed on comparison websites. You may need to go directly to their websites to get a quote.

Step 3. Check out the insurer

The important things to look for include:


Does the insurer have good customer reviews? Start by searching for the company name in or


Which company underwrites the policy? This should be displayed clearly on the insurers website. Check if the insurer is listed on a Top UK Insurers list.


Check out the insurer’s policy documents, does the policy include what you need. Check exclusions, limits, compulsory excesses etc.


Can you choose between paying 100% up-front or paying monthly? If monthly payments are your preference, check the interest charged.


Is the documentation stored online for you to login and view any time? In many cases, this is the most convenient way of storing your important documents, especially in the case of a fire or flood at home.

Step 4. Sign up

You’re done!

If your property is mortgaged you may need to tell the mortgage provider who the new buildings insurance provider is and provide them with the policy number and new cover limits.

TIP: It’s a wise idea to make a note of your policy number, the telephone number to call in case of needing to make a claim and the telephone number to call in the case of a Home Emergency (if you opted to take that option from your new insurer).

Store these details on your mobile phone and in paper format. Ideally, you should also store any passwords related to your policy in a secure password application.

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What’s covered by contents insurance?

Having contents insurance means you won’t be out of pocket if you need to repair or replace your belongings after they’ve been stolen, damaged or destroyed.

What we offer

Quick fix for uncontrollable leaks

Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.

Extreme weather conditions may extend response time. Policy terms and claim limits apply.

New for old

Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.

Legal advice

We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.

What isn’t included?

Lost items.

Items stolen from unoccupied vehicles.

Damage caused by pets.

The cost of repairing or replacing items following a mechanical or electrical fault.

Contents Insurance Cover Levels

Our contents insurance is designed to protect your belongings against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.

Contents cover

Covering the value of all your possessions in the home, on a new for old basis.

from £25,000

Alternative accommodation

For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.

up to £10,000

Home emergency

Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.

up to £500

Family legal protection

Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.

up to £25,000

Liability cover

Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.

up to £5 million

Personal possessions

Cover for portable items that you take out of your home, like bags, clothes and sports equipment


Gadgets, bikes and valuables away from the home

Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes) and valuables (e.g. watches and jewellery) that you take out of your home.


Accidental damage

Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.


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