Did you know that complacency is the biggest reason why we overpay on our insurance? And that?s not just home insurance, but motor insurance too. The renewal notice drops through your letterbox once a year from your current insurer and the premium doesn?t look much more expensive than last year. So, you decide, for ease (and ? dare we say it ? out of sheer laziness!) to stick with the same insurer.

Big mistake!

While you may be happy with your current insurer, if you want to pay less for your insurance, then you really do need to shop around ? if only to satisfy yourself that you really have got the best deal going!

And this needn?t be an exhaustive exercise that eats in to your precious time ? you don?t have to trawl the High Street or make lots of ?phone calls - you can do it simply and quickly from the comfort of your PC.

The great thing about using the internet to search out home insurance quotes is that it is speedy, free and you don?t have to converse with anyone, thus saving you time and effort! You can also do it 24/7, giving you the freedom to do your research at a time convenient to you.

And because the with online quotes and purchases there is less administration to do for the insurer, they can offer you discounts, typically 5%-15% off the normal premium!

Finally, to ensure you find the right policy at the best price, do get at least three home insurance quotes so that you can compare terms and conditions etc. Try to get each quote on a like for like basis so that you can make a true cost comparison ? do not make the mistake of choosing the cheapest premium without checking out that there is no compromise on the cover offered.