Switching your home insurance

A guide to shopping around for home insurance.

We know how important it is to feel safe and secure. So when it comes to your home we want to help make sure you’ve got the right insurance for your needs.

That’s why we recommend you shop around and compare insurance quotes before you commit. There are many kinds of home insurance that can cover the unexpected. With the Halifax, you can compare our two levels of insurance, Home Insurance and Home Insurance Ultimate, side by side.

We want to make it simple for you to compare home insurance, so here’s our quick and easy guide to finding the right insurance for you:

1. Check your existing insurance

If you’ve already got home insurance, you should check all your documents. Your situation could’ve changed since you first took out your insurance. Check whether everything in your existing policy covers your current needs.

2. Find ways to reduce the cost of your home insurance

There are loads of changes you can make yourself. Is there any way you can make your home safer from burglars, fire, or weather damage? Will changing from paying monthly to paying yearly reduce the cost? Small changes can make a big difference.

3. Work out what cover you need

List all the things you need cover for, and bear in mind these three questions:

  • What type of insurance do you need?
    Home insurance is usually split into buildings insurance and contents insurance. Some providers combine them, some offer them separately. Both our Home Insurance and Home Insurance Ultimate give you the choice of what you want
  • What level of cover are you looking for?
    You might want insurance that replaces your keys if you lose them. You might need cover for your bike, garden shed, or even wedding day gifts when shopping around for a home insurance quote.
  • What features do you want?
    Insurance policies often come loaded with free extras. However, if the policy doesn’t have all the cover you need, check the price of the additional elements and then see if you can find something cheaper elsewhere.

4. Shop around

Finding a great home insurance quote has never been easier. Here’s a few ways to find the right insurance and switch up your home insurance provider:

  • Comparison websites
  • Home insurance websites
  • Banks and building societies
  • Supermarkets and department stores
  • Insurance brokers or independent financial advisors

If you’re shopping around for cheap home insurance, don’t just base your choice on the cost. The cheapest policy doesn’t always have the best cover for your needs. Try to get as many home insurance quotes as you can. You might have a no-claims discount built up: bear this in mind when making your choice.

Please note: If you are looking to switch home insurance provider at any time other than your renewal, you should check with your current provider to see if you will incur any admin fees.

5. Compare your quotes

Make sure the features you’re comparing match up. Sometimes there are things that are hard to spot, like the excess. Always check when comparing home insurance quotes that all the details are the same.

If you follow these steps, you’ve got a better chance of finding the right home insurance policy for your needs at the right price. We hope you found this guide helpful. Now you’re ready to shop around for insurance, you can easily get a quote for Halifax Home Insurance in around ten minutes, and compare it with others you might find elsewhere.

6. Switching to Halifax Home Insurance

Once you've decided which provider and cover options are right for you, please consider the below handy tips if you choose to proceed with Halifax Home Insurance:

  • Contact your current insurer to cancel, be clear about the date you wish to cancel from. Ask for confirmation to be sent in the post, along with a record of any fees you may have been charged.
  • If you pay your current insurer by direct debit, contact your bank or building society to cancel the direct debit.
  • If you need any more help switching to the Halifax call us on 0345 604 6532.

Get a quote.

Compare our two levels of cover side by side when you get a quote.

Get a quote online

Or call for a quote on 0800 085 6844.

Lines open Mon to Fri 8am - 6pm and Sat 9am - 1pm. (Times may vary on public holidays).

Calls will be recorded and may be monitored for training and/or quality purposes.

Halifax Home Insurance and Halifax Home Insurance Ultimate are underwritten by Lloyds Bank General Insurance Limited.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.