[Accacin]

Well if what you're saying is true, home insurance is definitely cheaper in the UK.

Here it's split into home insurance and contents insurance, if you rent you only require contents insurance but if you own a house you generally get both combined.

For my house (home and contents), I pay about £250 which is quite a bit higher than usual because this area had a history of flooding (before they put flood defenses) and I insure some high value items extra which increases cost.

My excess (I guess you call it a deductable) is £250.