THE insurance industry is rightly keen on warning clients under-insuring, but not so keen about over-insuring that can mean your premium is higher than it need be.
Having established that the total cost of a total rebuild for my mid-terrace house would be approx £150,000 to £180,000, I opted for a £200,000 cover from a new insurer and saved £100 in premium.
My old insurer markets a "block" £500,000 cover no matter what type of average terrace house you own.
It pays to shop around.
MR D PRATT, Plantation Street, Accrington.
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