Don't always go with the mortgage company
Many mortgage providers require that you have home insurance before they will lend you any money. This is because the money they lend you is secured on the value of the property itself, thus if anything happens to your house they will need to be able to recoup their lending.
However, it does not mean that you are obliged to take your insurance cover from the same place you take your mortgage. Provided you have a home insurance policy to a sufficient value, it is unlikely that a lender will turn you away and you may be able to save money by shopping around.
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