It's a common misconception that your postcode has a direct bearing on your home insurance premiums - but it's simply not the case. While insurers will take into account the crime rate in your area when calculating premiums, they're more interested in the value of your property and the level of cover you need.
That said, where you live can still have an indirect impact on how much you pay for home insurance. For example, if you live in an area that's prone to floods or other natural disasters, your premiums are likely to be higher than average. And if your home is located close to high-value properties, your insurer may see you as a greater risk and charge accordingly.
So while postcode isn't everything when it comes to home insurance, it's still worth considering as one factor among many when shopping around for cover.