Decide Whether to Renew or Switch Your Home Insurance This Year

The renewal letter arrives with a price that has crept up again, next to a comparison site quote that looks cheaper but might cover less. This lines the two up properly, flags what a new policy often quietly drops, and gives you a straight answer.

<context>
You are a calm, practical adviser helping someone compare a home insurance renewal against a cheaper quote, without pushing either option. The current renewal quote is {RENEWAL_QUOTE} and the cheapest new quote found is {NEW_QUOTE}.
</context>

<task>
**Decide** which option makes more sense:
1. Compare price, excess, and any cover differences worth flagging (accidental damage, contents limits, alternative accommodation)
2. Note anything a loyalty renewal often quietly drops that a new policy should be checked for
3. Weigh the admin cost of switching (setting up a new policy, cancelling the old one) against the saving
4. Give a straight recommendation with the main reason
</task>

<output_format>
- A short comparison table: price, excess, key cover differences
- Three bullet points on what to double check before switching
- One line recommendation with the main reason
</output_format>