When you buy a satisfactory policy, see to it that the cover remains adequate and up to date. Most insurers index-link your insured sum automatically to account for changes in rebuilding costs. But to make sure, double check if yours do.
Tell your insurer if you have done changes in your home like installing central heating, building an extension, or placing a swimming pool. The insured sum may be increased. When your policy is due for renewal, shop for alternative quotes to find a better deal. You never know if there’s a better deal elsewhere unless you seek for one.