Just renewed my house insurance with Direct Line. It's their Home Insurance Plus policy, not the cheaper standard one. Buildings cover including rebuild cost is unlimited. Contents cover is a standard £100,000 with no need to list items. Accidental damage to buildings and contents included. There are a couple of Mrs C16's rings included as named items. Family Legal Protection of £100,000 is included. Last year the premium was £231.84, this year it went up to £303.52. I had other things on my mind with Mrs C16's illness so my usual haggling with Direct Line was put aside. I do agree with llondel regarding Direct Line refusing to discount the renewal quote if they did it the previous year.Fox3WheresMyBanana wrote: ↑Wed Aug 10, 2022 9:45 pmI am curious how much UK house insurance now is, relative to the insured replacement cost of a home. Anyone care to share some data?
Regarding premiums, bear in mind this is a rural Scotland location not an inner city and has an extremely low crime rate. So low in fact that over a decade ago when I set up a Farmwatch scheme with 42 houses and farms in our parish it died a death within a year as individuals and the Police lost interest as no crime occurred!