Simple Ways of Keeping your Home Insurance Premiums Down

17 January 2012 - Which Way to Pay


Simple Ways of Keeping your Home Insurance Premiums Down

In the UK the cost of insuring you home is on the rise but the need to protect your most valuable and expensive purchase is necessary to ensure peace of mind should the unexpected happen. With home insurance prices set to continue to increase there are simple steps that you can take to help keep the premiums to a minimum without losing certain benefits of your policy.

The most important step is to shop around to find the cover that best suits you and your situation. First you should work out what exactly you want from your home insurance and the key elements you want on your policy. Some aspects you may feel you could do without or will not be worth having and deciding this will help you keep premiums down by preventing unnecessary purchases. Combining buildings and contents cover stand you in better stead as many insurers offer discounts if you combine cover. Compare and contrast the different policies and do not just accept the first quote you are offered; another insurer may offer you cheaper premiums and you could make big savings.

If you can prove to your insurer that you have installed a good home security system this can result in lower premiums. Install  and maintain your locks and alarms on your doors and windows to insure your home is less likely to experience theft and burglary damage which will mean you are less likely to make a claim. Signing up to neighbourhood watch schemes can also reduce your premiums. Finally, remember that the fewer claims you make the higher your no claims discount so do not claim unless you really have to.


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