1. Buying buildings and contents insurance together usually qualifies for a discount.

2. See if your car insurance company will offer you a discount if you take out their home insurance.

3. You don’t need to buy your buildings insurance through your mortgage lender – if you shop around you could find cheaper home insurance.

4. Make sure you know the true cost of replacing your home contents as new to ensure you have sufficient cover.

5. The level of your buildings cover is normally based on the full cost of rebuilding your home, which is usually much lower than the market value. Check that you are not paying for too much cover.

6. Look for home insurance policies that include some level of accidental damage as standard.

7. Most home insurance companies will give you a significant discount if you have a professionally installed and approved burglar alarm or specific locks fitted to your doors and windows.

8. Build up your no claims discount. You can earn up to 30% when you’ve held home insurance for over 5 years without making a claim.

9. Look out for online discounts and special offers. Churchill guarantees to beat your home insurance renewal price providing you haven't claimed for 3 years and based on like for like cover. Find out more about Churchill’s price guarantee.

10. Consider a higher voluntary excess. By increasing the amount you would pay towards a claim you can reduce your premium.