Heads up: when shopping for home insurance, don’t just grab the cheapest deal you see. Lately, more policies are sneaking in higher excess fees—the chunk you pay out of pocket before your insurance kicks in. That means if your excess is £400 and your claim is only £500, you might end up paying almost everything yourself! Always check the fine print, not just the monthly price, to make sure you’re actually covered when you need it. #HomeInsurance #MoneyHacks #InsuranceTips #PersonalFinance #Finance