Our Home/Contents Insurance is up for renewal next month. As always I look to see if I can get a similar product at a more competative price. However, my husband has just been made redundant and being honest I have declared this when asked about employment status. Many Insurers are refusing to give a quote due to "employment status"..I assume it is because he is employed and not because I work full time!!! Many times when incidents are reported in the media about house fires... the reporter states that the home owner didn't have insurance. So when trying to get it organised for the coming year I am being penalised because my hubby is out of work. This means that there is someone at home most of the time thus reducing the chances of fire etc but I am playing devils advocate here and suggesting that the insurance companies think we are at higher risk of making a claim because he is not earning!!!

Any suggestions etc gratefully received

DD