Once you own a home, it is easy to put everything on autopilot. Your mortgage ticks along, insurance renews automatically and paperwork stays filed away. But over time, small details can drift out of line with your circumstances, sometimes without you realising. As we move through 2026, there are a few sensible checks worth making.

Mortgage brokers regularly speak to clients who are focused on the obvious household costs: mortgage payments, energy bills, council tax. Home insurance often gets treated as a simple renewal.

Discover what to consider when looking for a home insurance policy.

What is home insurance? Here's a quick run down of what you need to know.

Is home insurance one size fits all?