Tips to Reduce the Cost of Your Home Insurance Premiums
It is highly likely that your home is the biggest investment you will ever make, and so protecting it properly should be a high priority. Home insuranceincluding both buildings and contents insurance is a necessity, but there is no need to pay a higher price. This guide is intended to equip you with some tips to help you reduce the cost of your home insurance premiums.
Locks on your windows and doors
Fitting approved locks on your windows and doors will influence the cost of your home contents insurance. This is because the amount of risk associated with you directly impacts how much your insurance premiums are. BS 3621 deadlocks are the recommended locks.
Have a higher excess
Having a higher excess than you would ordinarily will reduce the amount your pay on your insurance, because it reduces the amount the insurance company will need to pay out to you in the event of a claim.
Become a member of the Neighbourhood Watch
As part of the neighbourhood watch, you will be privy to tips on how to make your home safer, as well as having your neighbours watch your property whilst you are away. Aside from the peace of mind you get from this, it will also decrease your home insurance costs.
Get a Burglar Alarm
Taking measures to reduce your risk of burglary, such as installing a burglar alarm system, will reduce the costs of your home contents insurance. A NACOSS-approved burglar alarm is the preferable choice.
Don?t claim unless you have to
When your insurance company calculates the cost of your home insurance they take into account your claim history as an indication of how likely you are to claim in the future. Therefore keeping your claims to minimum will positively affect you premiums.
Install a Safe
A safe makes doubly sure that your valuables, such as expensive pieces of jewellery, are protected. Insurers also take this into account when calculating your home insurance premiums.
Philip Youngwood is a freelance writer with a strong interest in the importance of insurance, particularly home insurance.
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