****How much is you house insurance per month? And can you reccomend a company?****

[Kitsandbits]

One that maybe doesn't take 2 months worth of cover as the first payment? I think alot of them do.
We havent got insurance and I really need to get some ASAP but it all seems to be very expensive.

Ours is about £22 pm - buildings and contents

My contents insurance is with morethan and its £8.60 a month.
Only took 1 month the first month

I twice researched loads and loads of companies for insuring in an inner-city area, and twice found Prudential to offer the cheapest insurance.

Ask if there is a discount for having a certain level of security - it is cheaper if you have 5 lever mortice locks on all doors, etc.

Ours is £21 pm buildings and contents . Try getting a quote only on confused.com then check if you can get cashback through Quidco.com if you buy it through them. I have just done mine through quidco and am getting £120 cashback.

I pay £17 / month buildings and contents + all the extras any normal person would ahve in there insurance + other little extra things like having a key ring with a number on so if i loose my keys whoever finds them gets £10 and i get my keys back

mine is 34 per month and thats with the pru i might look around now knowing how much some of you pay. Its not a fnacy policy either.

Tesco are doing 50 per cent off (and more if you go through Quidco)

mine is 34 a month for buildings and contents through sainsburys. includes cover away from home. just checked confused.com and couldn't get anything cheaper- think alot depends on postcode.

£180 annual premium from Sainsburys Online(underwritten by Halifax) for 4 bed detached in SW to cover 70K contents & 250K buildings which is £15 pm.

A vote here against HSBC. We got burgled, and despite having had top-of-the-line new-for-old coverage for years, they were complete b*stards when we lodged our claim. Wouldn't pay out on the laptop because it was two years old, wouldn't pay for any jewellery that I'd inherited (but had photos of) because my grandmother had been foolish enough to throw away the receipt when she got it in 1935, wouldn't pay the new replacement price for things I'd bought off eBay.

We would have been better sticking the premiums we paid into an account and just using that to replace our stuff. They paid pretty much pennies in the pound, and it took them a better part of a year to even give us that. It would have been catastrophic if we'd been trying to claim for a house fire or flood. In retrospect we should have reported them to the ombudsman but I was so traumatised by the burglary (happened when I was alone in the house) for months that I didn't even want to think about it.

Depends entirely where you are - if you are having difficulties finding cover, it's worth talking to a broker, if only to get some leads on where might cover you cheaper. We are with NFU (yep the farm people) because we live in an old country house and no other bugger would cover us. But you are all making me very with your cheapo policies

kitsandbits my dp could help here also if you haven't had any luck with loan he may be able to help with that too.

We pay nearly 50 a month for buildings and contents combined with direct line - didn't look around enough this year, mjust auto renewed which was prob big mistake

Can't post a recommendation but would say steer clear of Sainsbury's. We live on a tree-lined street and one of the trees blew over in a gale and went through our roof. The roots ripped up the water supply so our house was deemed uninhabitable as had no water. Had to fight to get sainsburys to authorise emergency accomodation - they never phoned back when they said they would, were supposed to find accomdation for us but didn't, complained about the fact that we refused to stay in a B&B but insisted on a hotel. It took 6 weeks for an assessor to come orund who got stroppy because we'd had the roof replaced without waiting for them to come out first. Ended up writing a letter ot the chief exec of Halifax (as it's actually Halifax that provide the cover on behalf of Sainsburys) and got all of money back but what if you don't have the cash to pay for all this yourself and then wait 6 months to get it back. Horrendous

try liverpool victoria...