Many things affect the cost of your insurance but the main reason you are paying more could be your post code. I was reading this article that suggests residents in South Norwood pay more than three times as much for building and contents insurance as someone who lives in Barnstaple. The website also provides a post code checker so you can see how the area in which you live affects what you pay. The results show you a typical annual premium for a house in your area, as well as where it ranks in the country. My breakdown was as follows:

Your postcode breakdown:  
•    Your league position: 1365 out of 1659
•    Your premium: £190.25
•    The national average is £169.45