How to Save Money on Your Household Insurance – Without Cutting Corners

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Paying too much for home insurance? You’re not alone. But the good news is, there are smart ways to cut costs without reducing your cover. Here are some simple tips to help you save money on your household insurance—without taking risks.

🛍️ 1. Shop Around Every Year

Auto-renewing might be convenient, but it’s rarely the cheapest option. Insurers often reserve their best prices for new customers, so make sure you compare quotes from multiple providers before renewing.

📦 2. Only Pay for What You Actually Need

Review your policy extras. Do you really need accidental damage or personal possessions cover outside the home? Stripping out add-ons you don’t use can save you money.

💷 3. Increase Your Voluntary Excess

Choosing a higher voluntary excess (the amount you pay towards a claim) can reduce your premium. Just make sure it’s an amount you could afford if you needed to make a claim.

🔒 4. Boost Your Home Security

Simple upgrades like approved door and window locks, burglar alarms, or security cameras can lower your premium by reducing the risk of a break-in.

🏘️ 5. Bundle Policies for Discounts

Many insurers offer a discount if you buy multiple types of insurance from them. Combining your buildings and contents insurance—or even bundling with your car insurance—can help you save.

🔧 6. Keep Your Home in Good Shape

Well-maintained homes are less likely to have issues like leaks or structural damage, which makes them lower risk for insurers—and that can mean lower premiums.

💳 7. Pay Annually Instead of Monthly

Monthly payments may seem easier to manage, but they often come with interest or admin fees. Paying for your policy in one go can work out cheaper overall.

🧾 8. Value Your Contents Accurately

Overestimating the value of your belongings can lead to higher premiums. Take the time to make an accurate inventory of your contents—you might be surprised how much you can save.

⚠️ 9. Don’t Let Loyalty Cost You

Sticking with the same insurer year after year doesn’t always pay off. Always compare your renewal quote with others—you could find a better deal in just a few clicks.

Final Tip: Use a Comparison Tool That Does the Hard Work

Through our partnership with Seopa, you can compare quotes from top UK insurers—all in one place. Find the right policy for your needs and start saving today.

The information contained within this webpage is for editorial purposes only, and not intended as financial advice.