hi all, i ve been with payment shield for home insurance for the last two years. this was arranged by the broker who arrenged my mortgage. i am paying 480 a year. recently i looked around for a cheaper qoute and the AA came up with the cheapest with under 200 mark. any one has a comment as to how and why such a huge difference. is there a catch, would i have any problems making any claims or such. also AA is giving this cover through 2 difernt companies, building thru legal and general and contents thru fortis. any ideas. please help.