Home of the brave

Household insurance has an image problem - it is the forgotten policy, only grudgingly remembered by reluctant customers. On the other hand, a good deal on motor insurance might merit a discussion in the pub, because it is a legal requirement. Even travel insurance has a higher profile, with numerous adverts in all forums shouting cheap premiums next to phone numbers. But to many people, household insurance just tends to be a box ticked on a form - and 25% of homeowners can't even be

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