Is it time to renew your home insurance quote? With so many different companies offering the product, it can all become a bit confusing. There are of course many price comparison sites which you can use, but here are some top tips which can help if the price comparison sites aren’t helping.

• Higher excess means a cheaper insurance price overall. For example if you need to make a claim, then the compulsory excess that you choose will have to be paid first before the claim can be made. Voluntary excess fees are on top of compulsory excess fees and opting to pay a bigger voluntary excess usually means that your premium goes down. Just be careful with excess costs that you choose, as it can become unaffordable if you ever do need to claim.