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Both the cost and the type of coverage offered by different Home Insurance policies varies, but when you compare Marks & Spencer Home Insurance to other Home Insurance we think you'll be quite pleasantly surprised.

To start with, customers who purchase a new combined buildings and contents policy online from M&S, who have 5 years no claims discount could save up to 45% off their buildings and contents premiums. Suffice to say, M&S Home Insurance is very competitive on price.

Nonetheless, even the most expensive Home Insurance is not much good if you cannot easily get help, or deal with an insurance claim; that's where M&S Home Insurance also wins, with their excellent customer service which is second-to-none, which makes dealing with any queries a hassle-free affair.

Also, with M&S Home Insurance flexible claims service, if you need claims advice, you can call M&S claims advice line anytime, day or night. And, if you have to make an insurance claim, you can choose to take a cash settlement from M&S Home Insurance instead of replacing an item or having the item repaired.

Getting a free online quote for Home Insurance from M&S Home Insurance takes just a few minutes, and you can then compare with other Home Insurance providers, for example.

However, don't just look at the cost of the insurance cover, look at the benefits which M&S Home Insurance offer too; for example: with premier home insurance from M&S, you get protection for storm damage to gates and fences; accidental damage to freezer contents; visitors' belongings, and much more.

Also, amongst other great features, with M&S Home Insurance, you will get a no claims discount (which you can protect) if you have had home insurance for at least a year, so long as you have not made an insurance claim on your policy in the previous year. Also, as part of your insurance cover, you will be given somewhere to stay if there is a need to evacuate your home for health or safety reasons - or if your home is not habitable after serious damage caused by a fire or flooding.

With M&S Home Insurance you'll also enjoy Green benefits at no extra cost - protecting the environment, and not just your home: so, when you make an approved claim on your home insurance for a washing machine, tumble drier, fridge freezer or dishwasher, Marks & Spencers will replace it with a new 'A'-rated energy efficient model where it is possible.

Also, if your home needs extensive repairs, or if it needs rebuilding, Marks and Spencers will make sure the work is carried out to level 4 of the Code for Sustainable Homes.

It's also possible to change your excess fee too: increasing your insurance excess fee will reduce your premiums, while decreasing your excess will increase your premiums.

Also, with M&S Home Insurance, for no extra fee, paying by direct debit you can spread the cost of your M&S home insurance over eleven months, rather than paying your entire insurance costs up-front.

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