“Don’t under-insure as it means you may be under-covered, don’t over-insure or you pay too much. There are online calculators to help you with both.
“If you’re working from home at the moment, you should be automatically covered for ‘office’ work on most policies, but if you’re storing stock/kit, you must tell them to be sure it’s covered.”
Homeowners should use price comparison websites and check websites that do not appear on those sites.
Martin said: “Comparison sites are a quick and easy way to find cheap quotes if you’ve relatively normal circumstances.
“Yet in truth they’re not actually comparison sites, they are marketplaces, as they can have special deals and prices with different insurers (as long as they’re not more expensive than going direct).