There has been a 6% increase in combined buildings and contents insurance since last year. In the current economic climate, inflation is affecting everything, and homeowners across the UK are feeling the pinch—making peace of mind more critical than ever.

We are constantly scanning the market to find the best insurance deals, so contact us to see if we can secure a better policy for you.

It’s more important than ever to understand your policy and ensure you’re getting the best value for your money, as well as the right level of protection for your property and possessions. Inflation, extreme weather, rising building material costs, and fraudsters making fake claims are all driving up premiums.
Consider factors such as location, home size, age and type of residence, rebuild value, and personal belongings, as these will all affect your premiums.

When it comes to your contents policy, don’t forget to include everything you’d need to replace within the house—from carpets and appliances to furniture, bikes, laptops, phones, and jewellery. It may be wise to add extra protection for high-value items.

However, with premiums (and most things!) on the rise, updating your home doesn’t have to be expensive. Here are some free or low-cost ideas to refresh your space:

1. Change the layout of your furniture to create a new look and improve the room’s flow. You can find furniture for free on Facebook Marketplace or ask friends and family if they want to swap furniture, lighting, or even art.
2. Get rid of items you no longer need or use. Decluttering can make your space feel larger and more open.
3. A thorough cleaning can make a huge difference—pay attention to details like skirting boards, windows, and carpets.
4. Consider DIY artwork. Create your own pieces using materials you already have at home—frame old photos, make collages, or repurpose fabric as wall hangings.
5. Why not try repurposing and upcycling? Turn old items into something new, such as using old jars as vases or storage containers.
6. Swap bedding, throw pillows, or curtains between rooms for a fresh look.
7. Create a feature wall using photos, postcards, or artwork to form a gallery wall.
8. Use plants or branches from your garden or a nearby park to decorate your space—even a simple vase with flowers can brighten up a room.
9. Rearrange or add mirrors to create the illusion of more space and light—placing them in front of windows or doors can bring in extra light.
10. Refresh your home with natural scents like citrus peels or herbs.

These small changes can make a big impact without breaking the bank. Have you tried any of these tips? We’d love to hear what else you’d recommend.

When it comes to home insurance, being well-informed about the factors that influence your premiums—and understanding the actual value of your property—can lead to significant savings. It’s crucial to ensure you have adequate protection in place.

With the right approach and our assistance, you can compare home insurance coverage, costs, and value, securing a policy that meets your needs and fits your budget, even in the face of rising inflation.

Remember, home insurance offers peace of mind, knowing that your home and possessions are well protected. We’re here to help!