Skip to main content
home insurance

Seven steps to cheap home insurance

Home insurance will cover you if something happens to your home or its contents – uSwitch explains what you can do to get a cheaper home insurance quote.

Home insurance special offer

Get £20 cashback* on your home insurance when you buy through uSwitch today (terms and conditions apply)

Get a quote Set a reminder

How can I get cheap home insurance?

1. Don’t make a claim on your home insurance unless you have to. The fewer claims you make the lower your premium will be. Check whether your insurer offers a no claims discount which will save you money on future premiums.

2. Make your home secure. Fit good quality locks to all accessible doors and windows and consider fitting a burglar alarm. If there’s a Neighbourhood Watch scheme in your area make sure you join it.

3. Fit, and regularly test, smoke alarms. Smoke alarms only cost a few pounds and you can sometimes get them free from the fire service.

buildings and contents insurance

4. Shop around for a cheaper home insurance quote. Your insurer will send you a renewal quote but this is unlikely to be the cheapest available so make sure you compare what’s on offer from different insurance companies. Sometimes you can get discount home insurance if you buy the policy online.

5. Increase the excess. The excess is the amount the policyholder pays on a claim before the insurance kicks in. The higher the excess you opt for, the lower your home insurance premium will be.

6. Stay at home. Insurers will offer cheaper home insurance premiums if your house is occupied a lot of the time. If you go on holiday for more than 28 days at a time and leave the property unoccupied, they’ll charge you more.

7. If you are thinking of moving, check the area to make sure there is a low flood risk at the Environment Agency’s website.

Read more…

Home insurance special offer

Get £20 cashback* on your home insurance when you buy through uSwitch today (terms and conditions apply)

Get a quote Set a reminder
*Offer valid for home insurance quotes generated via between 14 April and 3 June 2018. Cashback of £20 payable by cheque to the first named policyholder after the policy has been active for 90 days. Minimum premium of £125 per annum required. Autonet reserves the right to deduct the full amount of cashback from any refunds due on policies cancelled within 12 months of inception. This offer may be withdrawn at any time and cannot be used in conjunction with any other offer. This offer is valid for new customers only. The home insurance comparison service is provided by Autonet Insurance Services Ltd, registered in England No. 3642372. Autonet Insurance Services Ltd has its registered office at Nile Street, Burslem, Stoke-on-Trent ST6 2BA United Kingdom. AutoNet Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA) (Registration number: 308213).'s relationships with these companies are limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy.