{"id":4453,"date":"2025-11-20T10:00:23","date_gmt":"2025-11-20T09:00:23","guid":{"rendered":"https:\/\/pfadvisors.co.uk\/?p=4453"},"modified":"2025-11-18T00:02:04","modified_gmt":"2025-11-17T23:02:04","slug":"paying-monthly-for-home-insurance-could-cost-you-a-third-more","status":"publish","type":"post","link":"https:\/\/pfadvisors.co.uk\/en\/paying-monthly-for-home-insurance-could-cost-you-a-third-more\/","title":{"rendered":"Paying Monthly for Home Insurance Could Cost You a Third More"},"content":{"rendered":"<p>Everyone wants a good deal on their home insurance \u2014 but have you ever stopped to consider how much the <strong>payment method<\/strong> affects the total cost?<\/p>\n<p>New research shows that paying for your <a href=\"https:\/\/pfadvisors.co.uk\/en\/home-insurance\/\">home insurance<\/a> <strong>monthly instead of annually<\/strong> could increase the overall cost by <strong>as much as 33%<\/strong>.<\/p>\n<p>For example:<\/p>\n<ul>\n<li><strong>Contents-only cover:<\/strong> Paying monthly costs an average of <strong>\u00a387<\/strong>, compared to <strong>\u00a365<\/strong> when paid annually.<\/li>\n<li><strong>Buildings-only cover:<\/strong> Monthly payments total around <strong>\u00a3236<\/strong>, versus <strong>\u00a3206<\/strong> for an annual payment.<\/li>\n<li><strong>Combined buildings and contents cover:<\/strong> Annual payers spend around <strong>\u00a3230<\/strong>, while those paying monthly pay <strong>\u00a3280<\/strong> \u2014 a difference of <strong>\u00a350<\/strong> a year.<\/li>\n<\/ul>\n<p>It\u2019s clear that <strong>paying annually<\/strong> can lead to significant savings over time.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Timing Also Matters<\/strong><\/p>\n<p>The study also revealed that <strong>when<\/strong> you buy your policy can make a big difference. Purchasing your home insurance <strong>about 28 days before renewal<\/strong> could <strong>cut the price by up to 24%<\/strong>, compared to waiting until the last day.<\/p>\n<p>&nbsp;<\/p>\n<p>In short, if you want to keep your home insurance affordable:<br \/>\n\u2705 Pay <strong>annually<\/strong> if you can.<br \/>\n\u2705 <strong>Shop early<\/strong> before your renewal date.<\/p>\n<p>A few smart timing and payment choices can make a surprising difference to your wallet.<\/p>\n<p><strong><a href=\"https:\/\/www.facebook.com\/prestigefa\" target=\"_blank\" rel=\"nofollow noopener\">Like us on Facebook &gt;&gt;<\/a><\/strong><\/p>\n<p>\ud83d\udea8 Data accurate as of the date of publication<\/p>\n<p>\ud83d\udea8 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, mortgage, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.<\/p>\n<p>Source: Quilter Financial Services \u2013 Essentially Mortgages Q4 2025<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Everyone wants a good deal on their home insurance \u2014 but have you ever stopped to consider how much the payment method affects the total cost? New research shows that paying for your home insurance monthly instead of annually could increase the overall cost by as much as 33%. For example: Contents-only cover: Paying monthly [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4451,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[36,26,30],"tags":[],"class_list":["post-4453","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-insurance","category-dom-i-mieszkanie-en","category-protection"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Paying Monthly for Home Insurance Could Cost You a Third More - Prestige Financial Advisers<\/title>\n<meta name=\"description\" content=\"Paying monthly for home insurance can cost 33% more. 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