how much is your house insurance

[MassiveJim]

we live in a 5 bed detached house,

Just had the renewal quote through @ £574 for the year, is this normal or does it seem high ?

cover wise is pretty normal we don't have a lot of valuables, no jewellery, just electronics (laptop, TV, ipads, computer etc.)

 

[BUDFORCE]

Ours went up to about £750 from £400 last year, it's mental.

 

[tamzzy]

£508 renewed in october last year
3 bed semi birmingham

 

[Richie]

Jesus wept at those prices.... 3 bed semi - £178, renewed in Dec 2023 (up £35 from last year)

Buildings and Contents with Additional Accidental cover on both. Also includes Legal and Emergency cover too (boiler etc)

 

[danlightbulb]

Buildings and contents £13 a month. 3 bed semi Birmingham.

Why are some of these numbers so high?

 

[tamzzy]

Buildings and contents £13 a month. 3 bed semi Birmingham.

omg im being ripped off lol

 

[MatsyLR]

Policy expert was £122.15 last Feb
Buildings, contents, legal and home emergency.
Wanted almost £200 for renewal

This year went with quote me happy at £152.39
Buildings, contents, legal and home emergency

2 bed semi Sunderland

Why on earth are some of these so high?

 

[The_Arbiter]

There was a thread on this IIRC a few months back with vastly differing results.

Mine again was about 100 after cashback. Minimal contents cover, no likelihood of falling trees, floods, subsidence, etc.

 

[Dr House]

£1.1k with direct line home content and building
6bed

 

[Jim99]

I've paid around £100 per year over the last few years, contents and buildings with legal

 

[marin]

£257.00 contents & building with Direct Line - 3 bed detached.

 

[Doughnut007]

3 Ben semi on south coast.
£151 b&c

 

[~Divine~Wind~]

330 4 bed detached

Buildings, contents, accidental, personal kit away from home, 2 bikes and the missus engagement ring all names

 

[Manbatius]

4 bed semi, used to be £100 ish, but could not get it lower than £180 this year.
Buildings, contents, 1x personal away from home.

 

[tom_e]

3 bed semi contents only, £45 after cashback

 

[moon man]

1mill building 50k contents £140 ISH after a haggle ( set amounts I don't need a mill)

 

[SoliD]

House insurance itself is usually not a lot, it's the content that adds to it and how you want it insured. Jewelry, Bikes etc add significant amounts. If I take my bikes off then mine drops to sub £200 for instance.

 

[moon man]

I did a go compare and it's always worth reading all the info on each price some wouldn't cover my sun house and utility and I have my stihll and stuff in there.
I did use the prices to barter though

 

[Firegod]

Mine is due soon. Year before last I paid £310. Last year, I insured with a 5 star defaqto rated insurer and upped the contents cover and individual items. So roughly, accidental building and contents, up to £1mil building, £20k outbuilding, £150k contents, £16k of specified items, basic legal and home emergency cover included. £326.

 

[413x]

200 exactly.
Small 3 bed detached with my bike added on