Your home is probably the biggest investment that you will ever make and it is vital to protect it accordingly. How can you ensure you?re getting the right cover on your home insurance, including both contents insurance and buildings insurance? These practical tips are designed to help you do just that, and at the best price.
Fit approved locks
The cost of your home contents insurance is inherently linked to the amount of risk associated with your situation. Fitting BS 3621 deadlocks can help reduce your risk, and your premiums, as they are tougher to break into than normal locks.
Increase your excess level
Increasing the excess on your home insurance should lower the cost of your premiums; as it decreases the amount the insurance company would need to pay out to you if you made a claim.
Join 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.
Install 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
This is common sense ? the more you claim the more expensive your home insurance premiums are likely to be because you have a higher chance of claiming. Try keeping claims to an absolute minimum to avoid higher rates.
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. - 29955
Fit approved locks
The cost of your home contents insurance is inherently linked to the amount of risk associated with your situation. Fitting BS 3621 deadlocks can help reduce your risk, and your premiums, as they are tougher to break into than normal locks.
Increase your excess level
Increasing the excess on your home insurance should lower the cost of your premiums; as it decreases the amount the insurance company would need to pay out to you if you made a claim.
Join 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.
Install 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
This is common sense ? the more you claim the more expensive your home insurance premiums are likely to be because you have a higher chance of claiming. Try keeping claims to an absolute minimum to avoid higher rates.
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. - 29955
About the Author:
Philip Youngwood is a freelance writer with a strong interest in the importance of insurance, particularly home insurance.
