The cost of home insurance premiums fell to a six-year low over the winter, according to analysis from MoneySuperMarket.

It looked at seasonal home insurance quotes from across the UK to identify overall trends in premiums, and the postal towns which saw the largest – and smallest – price drops.

Overall, prices fell by 6% (£7) in winter 2015/16 compared to winter 2014/15 to an average £109 a year for combined buildings and contents cover – the lowest level since 2010.

Winners and losers

Homeowners in Shrewsbury have benefited from the largest year-on-year price drops, with average premiums falling 12% (£13.28 on average), with those in Dudley coming a close second. They have also seen 12% decreases, with the average policy premium dropping by £13.19.

However, a few areas have seen rises in home cover costs. Homeowners in Enfield have seen premiums rise by 3% over the past year, resulting in premiums that are 27% higher than the national average.

Those in Cambridge, Hereford, North West London, West London and Twickenham have also seen price hikes over the last 12 months.

Kevin Pratt, consumer affairs expert at MoneySuperMarket, said: “With the exception of a few postcodes, premiums have been reducing steadily for six years now, thanks mainly to falling burglary rates. This could mean great savings for consumers, but only for those who shop around at renewal to find a better deal.

“Whether the area you live in has seen home premiums rise or fall, it’s always worth shopping around at renewal time to see what better deals are available. Insurers reserve their best prices for new customers, making shopping around at renewal a no-brainer.”