Before you sign or switch, spend ten minutes on home insurance.
Your starting point
List what changed since you last reviewed home insurance: rooms, income, dependents, or travel plans. Those details usually matter more than brand loyalty.
Build a fair comparison
Use three columns — must-have, nice-to-have, deal-breaker — and score each option before you buy. The final document beats the advert every time.
Keep simple records
Store PDFs, renewal emails, and dated photos in one folder by year. When you need to claim or switch, folders outperform memory.
Confirm current terms with providers before acting on general information.