Use our money-saving tips to find the right policy and cut the cost of your premiums.
Try not to go for the cheapest deal as it might not give you the cover you need.
Work out how much you’ll be paying in the long term to make the biggest savings.
Paying monthly is almost always more expensive than paying for your home insurance up front with one lump sum.
Dealing with just one insurer will also be more convenient.
Voluntary excess is the amount you agree to pay towards a claim in addition to the compulsory excess set by your insurer.
If you choose to pay a higher amount of voluntary excess when you take out home insurance, you might get a cheaper premium.
Always make sure that you set the voluntary excess at a sum you'd be able to afford if you needed to make a claim though.
Getting the cost of your home rebuild value and contents cover right will mean you won’t over-insure or under-insure your things.
You can use our contents calculator to work out the value of your possessions.
If you buy a packaged product, you might have cover thrown in that you don’t need – you'll end up paying more for these so remove them if they’re not needed.
If you don't make a claim on your policy, you can build up a no-claims discount when it comes to renewal.
Avoiding incidents can be key to keeping your home insurance cheap year after year.
If you're thinking about making a small insurance claim, see if you’re able to pay it yourself first to preserve your no-claims discount.
Admin charges are easy to miss when you buy your policy.
If, for example, you move house, your insurer might charge you to change the address.
It’s worth looking at these charges – paying £5 or £10 more for insurance with reasonable admin fees might save you much more in the long run.
Call a few different insurers and see if you can haggle the price down – you could get your home insurance even cheaper that way
Ryan Fulthorpe, GoCompare’s home insurance expert