It is advisable to avoid insuring your house with two different insurance companies because the two policies might not include the same perils or terms and conditions; thus you might not have adequate cover in case of a claim. When insuring your house with two different insurance companies you have to inform them both in written. Also note that in case of a claim you will be reimburse for the actual cost of the damage and each insurance company shall pay a percentage of the damage based on sums insured.