Of course it makes perfect sense to take out home insurance, after all your home is probably the most expensive purchase you will ever make. That does not mean to say you should pay too much for your house insurance.
While it is important to adequately protect your property it is equally important to do so at the right price. So here are our top tips to achieving cheaper home insurance.
1) Fire - fit and maintain quality fire alarms and take steps to reduce the risk of fire damaging your property. Many of these are simple common sense such as not smoking in bed, taking care when cooking and keeping flammable materials away from children.
2) Quit Smoking - many household fires result from smoking to the extent that most home insurance companies will ask if you smoke when compiling your quote. Generally smokers will pay a higher premium as they present a greater risk.
3) Locks - fit quality locks on all windows and doors to ensure the property can be securely protected against unwanted visitors. If moving to a new property consider changing the locks as there's no way to tell who might have a copy.
4) Make Fewer Claims - avoid making claims when the cost is considerably small, overall larger savings can be made by building up a history of no claims that can be used to obtain lower premiums for future years. Following many of the tips in this article can also help reduce the number of claims you make on your policy
5) Neighborhood Watch - participating in an active Neighborhood Watch scheme can typically help reduce the cost of your home insurance policy by around 5%. Of course the other added benefit is the increased security of householders looking out for each other
6) Home Security - An approved alarm system not only increases security and safety but can also help cut the cost of your home insurance. Ask your insurance company with systems they prefer as the savings vary from one provider to another
7) Compare More Quotes - with so many companies now offering home insurance policies the odds are you could find a better deal than you have at present by shopping around. There are many price comparison sites around that can help you achieve this quickly and easily.
8) Holidays - leaving your home unattended for large periods of time massively increases the chances of burglary or vandalism occurring. To combat this ask a trust friend or family member to open and close curtains, collect mail etc. Also remember to cancel and newspaper or milk deliveries.
One key point you are likely to have come to when reading these tips is that many of the savings come from avoiding claims. By building up your no claims history you can significantly reduce the cost of building and contents insurance.
If you can combine that with shopping around the savings can be even larger. Using the internet to compare UK home insurance quotes can unearth many competitive deals to help you save money.
To learn more about saving money on home insurance visit free information website webcomparison.co.uk
Top Tips To Cheaper Home Insurance
