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Home Insurance Near Me – Can Local Brokers Get You the Best Quotes?
Some people still like to buy home insurance from a local home insurance broker – after all, they know your area like the back of their hands so they’re sure to find you the best deal on your home insurance, right?
Unfortunately it doesn’t quite work like that. Although local home insurance brokers almost certainly know your neighbourhood better than a large, centralised insurer is likely to do, that local knowledge often doesn’t result in a more tailored contents insurance or building and contents insurance price.
After all, insurance providers use a wide range of data points when calculating their premiums, including your local area’s crime rate and property prices, but they use official police data and house price indices when assessing those factors so local knowledge plays very little role.
The relationship your local insurance broker has with insurers is likely to have a much more significant impact on your quotes, because some home insurance brokers are able to negotiate preferential deals with some providers.
However, since there’s no way to be sure ahead of time which broker has the best relationship with particular insurance providers, the best approach is to compare quotes from dozens of different home insurance providers at the same time, and then go with the firm that offers the best overall insurance policy at the most competitive price.
And that happens to be where we come in:
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Why do different home insurance brokers return different quotes for the same policy?
Although brokers search the market on your behalf to help you find the best home insurance deal, different brokers may quote different prices for the same policy even when it’s from the very same insurer.
This might seem counterintuitive, but it’s because the relationship your local home insurance broker has with a given provider can significantly impact the deal they can get and therefore the price you pay.
While this can occasionally mean a home insurance broker near you might get you the best possible price, in many cases it can mean you’d be able to find a better quote through a price comparison website like Quotezone.co.uk.
At Quotezone.co.uk we compare brokers’ prices as well as quotes from a large number of UK insurers, making it more likely that you’ll be offered a competitive price whether you’re taking out buildings and contents or contents only insurance.
How do the home insurance companies near me make money?
Local home insurance brokers usually receive some kind of arrangement fee, which can either be charged to the policyholder as a standalone fee, added to the overall cost of the policy or paid as a commission by the insurer, but either way it usually takes into account the time taken to source the most cost-effective policy with the right amount of cover.
However, the advent of the internet means the home insurance comparison process is something that those looking for a new policy could easily be doing themselves from the comfort of their own homes, so there’s less need to pay for someone else to do it for you.
Whether you own a flat, apartment, bungalow or semi-detached house, Quotezone.co.uk’s home insurance comparison service can help you compare policies from over 50 different insurers in just a few minutes, making it more likely that you’ll find the right home insurance policy at the right price.
Is a home insurance broker the best plan if my home is ‘non-standard’?
There are specialist home insurance brokers that help homeowners with non-standard properties find better deals on their home insurance – for instance, if the house has a thatched roof or a timber frame, or it’s located on a known flood plain.
However, while home insurance comparison sites used to be limited to comparing home insurance quotes for properties that would be classed as ‘standard’ that’s no longer the case, so if you are looking for non-standard home insurance we have a price comparison service that can help you with that too: compare non-standard home insurance policies.