How your home insurance cost is calculated


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Insurance companies use risk-based models to work out your home insurance premiums. These predict the likelihood that you'll need to make a claim on your policy and then price accordingly.

How each insurer prices is down to them, but there are some key elements that most will take into consideration when working out the cost to you. These can be broken down as factors related to you and your home, and broader events happening in the world outside your home.



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