Start by working out the rebuild cost of your home and the value of your contents, rather than choosing the lowest price and risking underinsurance. Compare cover limits, exclusions, voluntary excesses and optional extras such as accidental damage or legal expenses, as a cheaper policy may provide less protection. Accurate answers about your property, claims history, security and occupancy can help you compare suitable quotes, but premiums are set by each provider. Check that the insurer or broker is FCA-authorised, and read the policy wording before buying.