6) Utilise a broker
If you have a hard time finding the best rate for home insurance, it may be worth hiring a broker. Brokers make their money from commission,
so they can shop around for the best deal for you. You need to make sure that you go with a reputable broker and that they are registered with the Financial Conduct Authority.
It’s also a good idea to check they are signed up with the Consumers’ Association.
When you go through a broker, you’ll need to fill out a questionnaire to provide the information the broker needs to find you the best deal.
One thing to be aware of is that a broker will only provide you a range of quotes. You’ll then have to select the one that you want.
Home insurance is there to protect you if something goes wrong and you need to make a claim. It’s important that you understand what’s included in your home insurance policy and what isn’t.
It’s also important that you shop around for the best deal. You need to make sure you get the right policy for your needs and that you don’t get ripped off.
It’s also important that you commit yourself to the right policy for the long term. You can do this by locking-in your deal and committing yourself to the same insurer for a period of time.