p>The premium you pay for home and contents insurance depends on the type of cover you choose. Often insurance companies will offer discounts if you take out home and contents insurance together, reducing the premiums for both policies.</p><p>If you pay your fees annually rather than monthly, it may work out cheaper in the long run. You can also sign up for a larger excess to offset your premiums—but this means you’ll have a higher threshold before you're able to claim. And finally, you can make sure your home is secure with locks and alarms—usually, the tighter the security, the less you pay.</p><p>Lastly, it helps to shop around! Always review your home and contents insurance policy just before you renew it to make sure you’re still getting the cover you need, and <a href="/home-contents-insurance" data-new-window="true" title="comparing with Choosi" >comparing with Choosi</a> makes it easy!</p