Why don't all insurers offer the same rates?

Not all insurance companies look to attract the same customer. Each company has a good understanding of who they consider to be valuable to them and who they would rather not insure. They will therefore, give cheaper prices to those they want than to those they don't. That's just the way it is. The key for you is to find the ones who offer you the cover you need at a competitive price.

The best way of finding the right home insurance company for you is to compare as many insurance quotes as possible with a like-for-like quote and then make an informed choice. By doing this, you'll not only have quotes from companies which are most popular, but also those you may not have thought of originally, but who might be just right for you.

One thing to be aware of is that many insurance companies offer a discount for buying both buildings and contents insurance together. So, if your buildings insurance is currently with your mortgage provider, you could save money by taking out joint buildings and contents cover.