Home insurance
Could loyalty be costing you at renewal?
Research suggests fewer home-insurance customers are shopping around at renewal, which could mean some households miss cover or pricing that better suits their current needs.
Holly DibdenMortgage Adviser · 31 July 2026
The important points
What to take from this update
- Check the cover as well as the renewal price.
- Rebuild cost and market value are not the same figure.
- Tell your insurer when changes to your home or circumstances affect the policy.
HD Holly’s take
“Renewal is a useful prompt to check whether the policy still reflects your home, possessions and lifestyle. Price matters, but a cheaper policy is not better if important cover has been reduced or excluded.”
Is this relevant to your plans?
News is useful context, but it cannot account for your income, deposit, credit history, property or existing mortgage. If this update has raised a question, send Holly a quick message and explain what you are hoping to do.
Ask Holly on WhatsAppInformation correct at the date of publication and provided as a general guide only. Mortgage products, criteria and market conditions can change. This article does not constitute personal advice.