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If you’re a homeowner your house, apartment or flat is likely to be one of the biggest investments you’ll ever make, which is why it would be a wise idea to protect that investment with a suitable home insurance policy.

Still, that doesn’t mean you should overpay. By shopping around and comparing quotes from a wide range of different insurance providers you stand a far better chance of finding budget home insurance that meets all your needs without breaking the bank.

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How do I go about finding budget home insurance quotes?

First and foremost, if price is a major consideration you should compare policies from new providers rather than accepting your existing provider’s renewal quote.

Renewal quotes are often much more expensive than the premium you might be offered by an insurer you haven’t used before, specifically because some home insurance companies offer home insurance discounts to new policyholders.

Reducing the amount of coverage your policy provides for the contents of your property might also reduce the cost of your home insurance a little (assuming you’re taking out building and contents insurance, of course), although it’s important to ensure that you aren’t leaving yourself short just to knock a few pounds off your premium.

Is it true I will have access to budget home insurance deals if I upgrade my home security system?

While it doesn’t happen with every insurance company, some providers might be willing to offer you a cheaper home insurance quote if you upgrade your property’s security systems.

However, there are many different types of home security systems, ranging from perimeter sensors and intruder alarms to motion-sensor lights and CCTV, so it’s important to check with your own insurance provider to confirm what types of systems might have an impact on your premium.

It’s also important to bear in mind that insurance providers will sometimes insist that a security system must be installed by a certified security installation specialist, so a self-install alarm system might not help you find budget home insurance even though it can make your property more secure.

Is home insurance a legal requirement in the UK?

No, home insurance isn’t a legal requirement, but if you have a mortgage on your home there’s a good chance it might be a contractual requirement. Most mortgage lenders include a clause in their mortgage agreements that require homeowners to take out home insurance for the mortgaged property.

Of course, even if your own lender doesn’t impose this contractual obligation – or if you’ve paid off your mortgage and now own your home outright – it’s still a good idea to look into home insurance quotes, because even the most budget home insurance policies can offer you a lot of financial protection for a very small fee.

Can I get a bigger home insurance discount if I insure multiple properties?

Yes, if you own more than one property many insurance providers will offer you a home insurance discount if you insure both properties with them.

However, it’s worth mentioning that if one of those properties is a buy-to-let that you rent out to tenants then you would need landlord insurance for that property, rather than standard home insurance.