You may be in a position where you would prefer to stay loyal to your current insurance company, and there are many who stick with their insurers for years at a time. It may be because you feel the company has provided an excellent service at all times, but it is important to remember you may still be entitled to a better deal from them.
When your renewal comes around your insurer will send you a quote. At this point it is a good idea to compare other home insurance quotes even if you do not want to swap, especially if your renewal cost is higher than you paid the previous year. A few house insurance quotes will give you a wider idea of the prices being charged by other companies. Always bear in mind that there is likely to be a company who will guarantee you a cheaper quote for your house insurance.
After having obtained a few quotes, contact your current insurer. Explain to them that you have had several cheaper quotes and give them the details, and ask them if they can do anything for you. Do not be afraid to do this. Insurance companies want to keep your business and most have a price match promise if you find the same level of insurance elsewhere for a cheaper cost. In the event that they don’t, most will still consider giving you a cheaper quote. This way you can remain with your preferred insurer and keep the cost of buildings and contents insurance to a minimum.