We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

Builing and contents insurance

I have renewal via a local broker.  I pay for it over 10 months.  And its gone up by £6 per month.  I would go with just any bog standard company but I have a tree that's within 5 meters of the house.  its over 20 years old.  I keep it down and has never goes taller than the house.  My current insurer is ok with that.  But I am not sure of what other insurers I could look at.  Any ideas

Hope for everything and expect nothing!!!

Good enough is almost always good enough -Prof Barry Schwartz

If it scares you, it might be a good thing to try -Seth Godin

Comments

  • Slinky
    Slinky Posts: 10,565 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Try looking for separate buildings and contents cover. You might find it works out cheaper. We have separate policies as there has been a previous subsidence claim 33 years ago so our buildings cover options are limited, then add in some special risk items on contents and it all gets a bit awkward. By splitting them out, it gives us more options.
    Make £2024 in 2024
    Prolific to 30/6/24 £491.56, Chase Interest £37.40, Chase roundup interest £1.14, Chase CB £82.04, Roadkill £1.30, Octopus referral reward £50, Octopoints to 30/6/24 £70.22, Topcashback £82.04, Shopmium referral £3, Iceland bonus £2, Ipsos survey £20
    Total £840.70/£2024  41.5%

    Make £2023 in 2023  Total: £2606.33/£2023  128.8%

  • DullGreyGuy
    DullGreyGuy Posts: 15,367 Forumite
    10,000 Posts Second Anniversary Name Dropper
    Generally it will be cheaper to buy the product packaged and it makes claims that effect both buildings and contents much easier to deal with. There are circumstances where it will be cheaper to split, such as if you had a £500,000 art collection in a 2 up, 2 down ex council terrace house in a small welsh town
Meet your Ambassadors

Categories

  • All Categories
  • 347.7K Banking & Borrowing
  • 251.9K Reduce Debt & Boost Income
  • 452.1K Spending & Discounts
  • 240.1K Work, Benefits & Business
  • 616.2K Mortgages, Homes & Bills
  • 175.3K Life & Family
  • 253.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.