Start by listing what you need to insure, including your buildings, contents and any valuable items, then get quotes from several FCA-authorised insurers or comparison services. Compare the cover limits, exclusions, excesses and claims process, rather than choosing solely on price, and give accurate information about your property and security. You may be able to reduce the premium by improving locks or alarms, choosing a suitable voluntary excess or paying annually, although costs and terms vary. Check the policy wording carefully before buying and review your cover each year.