How much is your home and contents insurance?

[ThinThighsPlease]

Literally that. I'm a first time buyer, hopefully finally getting my little house next week 😊

Just comparing so I don't get ripped off x

Im assuming some of the really high prices are where people still have the insurance with the bank that the mortgage is with / was with .

£600 per year but its thatched.

Mine was creeping up every year with Sheilas Wheels, this year went up to £370 p.a. As I have no items of value I thought that was getting a little high. I did all the comparison sites and ended up getting the exact same cover, plus with legal cover, which I didn't have before, for £195 pa. 5 bed detached house south east. Which just goes to show how insurance companies like to rip off their existing customers.

£229.55 p.a. (same as last year, less than 5 years ago)

With Legal and General.

I was formerly with Direct Line but i discovered they had taken advantage of my inertia by charging bigger and bigger Loyalty Penalties every year and cost me double what I could get elsewhere. When I discovered this and phoned to say I would not be renewing, and why, they offered to halve it, but I felt they had treated me badly and wouldn't touch them now.

L&G give a 15% shareholders discount, so I bought 100 certificated shares before taking out the policy. Which have also done fairly well.

Flora- not mine

Mine neither but it’s with Hiscox who don’t ask for receipts etc and replace with new. I’m still shopping after reading this

£200 per year, buildings, contents, home emergency cover and personal possessions and bike cover

390 for the year.

Mine was £58 this year, I'm in a 2 bed terrace. That includes cover for a hand built gaming computer worth 4k. Starting to think I got an amazing deal!

Sorry. I don't own my home no wonder it seems cheap! Contents only

London house £350pa,

House insurance is determined by your postcode, the same as car insurance.

I had to claim once and lived in a hotel for 4 months whilst they fucked about in a piss poor manner putting my flooded kitchen back together.
Luckily I had unlimited cover on alternative accommodation.

Read the bloody small Print!!!

It cost £1200 a week in the hotel. Most
Policies these days have a limit if £5-10k for alternative accommodation.

When you're young, you buy your household stuff from Primark so it's easily replaceable and cheap.

When you get old and snobby like me, you buy Egyptian cotton bedding and towels, fancy saucepans and gadgets.

Buy your policy according to your needs !

I looked back, and my previous house (in London) cost four times as much as my current one (South Coast). Same company, same policy; even the same year (as there was an overlap).

We pay bloody £150 a year for a 2 bed small flat!! We have to go with the insurance provider that the estate agent uses though. I could go into more detail about why but it's not relevant! Feel like we're overpaying now

Should add, we rent not own

@changeitis I called around this morning based on my stupidly high renewal quote and you've hit the nail on the head. My existing policy (£750 for buildings only) has unlimited alternative accommodation whereas what looked like a decent alternative for £250 has £15k cap (my neighbours had to live somewhere else for 6 months when their house was repaired post-damage and that would have cost way more).

Seems that on contents, having two expensive pieces of jewellery is what is making the policy insane and there doesn't seem to be a way around it - if you don't include them, you're underinsured and they won't meet a claim and if you do include them, it has to be a specialist high net worth policy which has a minimum threshold. We aren't HNW by any stretch and don't have eg antiques and paintings but jewellery is so easily stolen and sold on that apparently it's what's causing a £900ish contents premium.

Anyone with jewellery have a better solution?

46 a month, big house, next to water, only accidental damage cover on buildings.

Approx £100 & I never auto renew, I use comparison sites to find cheaper each year