Cheapest not best - Value is important

Hi,
Do you want a claim service that pays cash and leaves you to sort out the mess (and find some non-cowboys to do the repairs) or one that provides a managed repairer network that takes care of it for you? Do you want a policy that will let you value the contents of your house and insure those, or one that assumes an average figure for a 3 bed, or 4 bed, or whatever, type of house? These are just a couple of examples to illustrate that you are not buying baked beans here and cheapest is not always best.
Please help.

Thanks!

I didn't find the right solution from the Internet.

References:http://forums.moneysavingexpert.com/showthread.php?t=369795

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