When you click on a retailer link on our site, we may earn affiliate commission to help fund our not-for-profit mission.Find out more.
Revealed: The cheapest and most expensive areas for home insurance
While best-known for its medieval cathedral and top university, Durham is also the cheapest place for home insurance in the UK, according to new data from MoneySupermarket.
Living in the cheapest area could save you up to £134 a year compared to the most expensive spots - so, how does your home insurance premium compare?
Here, we take a look at the cheapest and most expensive areas for home insurance and how you can find the best home insurance policy to suit your needs.
The cheapest areas for home insurance
Cities in the North of England offered the cheapest home insurance premiums, MoneySupermarket found.
In the city of Durham, people paid an average of just £117 a year to protect their homes.
The residents in Newcastle and Sunderland, who came joint second for the cheapest home insurance premiums, paid just one pound more at £118 a year.
Meanwhile, both Stoke-on-Trent and Darlington had average policies priced at £121.
The table below shows the 10 cheapest areas for home insurance UK-wide.
| Location | Ave annual home insurance premium |
| Durham (DH) | £117 |
| Newcastle (NE) | £118 |
| Sunderland (SR) | £118 |
| Stoke-on-Trent (ST) | £121 |
| Darlington (DL) | £121 |
| Dundee (DD) | £122 |
| Norwich (NR) | £123 |
Find out more: contents insurance explained
The most expensive areas for home insurance
London dominated the list of locations where residents paid the most for home insurance.
Taking top spot as the most expensive area was North West London, where households paid an average of £251 a year to cover their properties. That's a staggering 114% more than the national average of £138.
Central and West London, which includes boroughs like the City of Westminster, Hammersmith and Fulham and the Royal Borough of Kensington and Chelsea, came in second place, with average premiums at a hefty £249 a year.
The table below shows the 10 most expensive places for home insurance.
| Location | Ave annual home insurance premium |
| North West London (NW) | £251 |
| Central and West London (W) | £249 |
| South West London (SW) | £241 |
| City of London (EC) | £237 |
| North London (N) | £235 |
| Harrow (HA) | £227 |
| Ilford and Barking (IG) | £212 |
- Find out more: buildings insurance explained
Compare home insurance premiums
See how your home insurance premium compares to the rest of the UK using the searchable table below.
Average home insurance premiums UK
- Find out more: how to find cheap home insurance
How to find the best home insurance
It's unlikely that you'll up sticks and move away just to cut the cost of your insurance - though if you are shifting, it's always worth taking into account the cost of living in your new area.
Wherever you live, though, you should make sure you're getting the right cover at a competitive price.
Follow our top tips to find the best policy for you.
1) Use a valuation calculator
It's common for people to overpay or underpay for home insurance because they've incorrectly calculated the value of their contents or the cost of rebuilding their home.
Using tools, such as acontents insurance calculatorcan help you get an accurate idea of home much cover you need.
2) Shop around for a good deal
Price comparison websitesare a quick and easy way to see what home insurance deals are on offer and which providers offer the right cover for your needs.
If you're coming up to renewal, shopping around for a better deal, can also give you leverage forhagglinga better deal with your current provider, should you wish to stay with them.
3) Read the terms and conditions... carefully
While price is a key factor to think about when it comes buying home insurance, it's really important to make sure that a home insurance policy actually covers you for what you need.
Simply checking over the terms and conditions will make sure that; you get the right level of protection,your excesses are affordable and you have included any necessaryadd-ons or extras for optimal protection.
Home insurance small print is notoriously opaque and has been found tobaffle readers, so if you're unsure about anything get in touch with the provider for clarification.
Remember, once you've agreed to the terms of a policy, making a claim for something that's expressly excluded will be impossible.
To help you find thebest home insurancepolicy experts have analysed the standard contents insurance and buildings insurance policies of over 30 providers and combined that with feedback from thousands of customers to produce impartialhome insurance company insurance reviews.
You can also find useful tips in ourhome insurance guide and the short home insurance video below.