One way of getting cheap home insurance cover is actually to stay with the same insurer for a number of years. This is almost counter intuituve to most advice which usually suggest that you shop around for your home insurance playing one insurance company off against another thereby achieving a cheap home insurance cover quote at the conclusion. However staying with a single insurer for a number of years without claim can give them the comfort that you present a lower than average risk profile which means that they can justify charging you a less of a premium each year.
Of course, this will likely change the moment that you make your first claim against that insurance policy as it is likely they will return you to the average or above average insurance risk pool and adjust your premium the following year accordingly.
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