Some home insurers offer a no-claims discount if you have not made certain claims during a stated period, but the rules and qualifying claims vary between providers. It may apply to buildings insurance, contents insurance, or both, and your price will also depend on factors such as your property, location, cover limits and excess. Compare quotes on a like-for-like basis and check how a claim could affect any discount before buying. An FCA-authorised insurer or broker can explain the policy terms and how your claims history may be assessed.