if i use a comparison site to change our house insurance what is a good way to do this, the main reason being to try to cut down on our monthly out goings

i am a bit confused but would like to be covered for theft, fire,flooding and also for vandalism and if the roof falls off in the wind so would this be fully comprehensive we are up the top of a hill but seeing the devistation that the floods cause i thik it wise to get covered for this what do you think

what else is important

we bought the house for £120,000 three years ago and at the time i was ill so just took the insurance lloyds tsb sold to save stress, but feel a bit wiser now

i have had insurance obviously since we bought the house 3 years ago but due to illness havent been able to be bothered to change just for the reason of wanting a cheaper one,

but i feel ready to do this now

thanks for your help

i am ot too bright so please explain the best way to do this simply

thanks for your help


xxx vic
Additional Details
it is a middle terrace in a town but not a city