A cheaper home insurance policy usually follows the same basic claims process: check your policy, contact the insurer promptly and provide details of what happened, when it occurred and the damage caused. Take photographs, keep receipts and take reasonable steps to prevent further damage, but avoid permanent repairs until the insurer or its loss adjuster has assessed the claim unless urgent work is needed. Check your excess, exclusions and any conditions, as these can affect whether and how much the insurer pays. The outcome is decided by the provider under your policy, so contact an FCA-authorised insurer or broker if you need help understanding the terms.