House Ins is due next month. I always check to see if there is better value elsewhere.
One of the companies that had my details from last year called last week - £230 but did ask if I was near water...........YES, I replied, 200 yds (180m) away but as I am half way up a hill and at least 100 ft (30m) above the burn it was not an issue (Burn = Stream).
They were back on yesterday, the quote had gone to £450 and a £1,000 excess for flooding........ Excuse - Near water course and they had to be mindful of flooding.
I await my renewal note then try again with hopefully a more sane insurer.
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House Ins Renewal 
House Ins Renewal