10 Tips To Get Cheaper Home Insurance
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10 Tips To Get Cheaper Home Insurance

By: Nigel M

It is always nice when you can pay less for home insurance and get the same or more cover. Listed below are 10 handy tips that you can do to get cheaper home insurance premiums.

1. Increase your voluntary excess

Your insurance excess is the amount of money you agree to pay on a claim before the insurance company pays the rest. For example, if you had a 200 pound excess and a £500 claim you would pay 200 pounds and the insurer would pay £300. If you choose to increase your excess, you will pay a lower premium. You can make massive savings by doing this. When you are comparing policies, try changing the excess amount and see how much you can save.

2. Fit smoke alarms

Fire alarms are quite cheap, especially when you compare it to the cost of a home or the loss of a life. A large number of house fires are caused by cooking or smoking. Never leave your cooking unattended, don't leave matches or lighters laying around and don't smoke in bed. Be aware if you have young children that they love to play with all things exciting and new. They may turn on the cooker, light paper or cover lamps. All of these things may cause a fire in your house.

3. Install new locks

If you have just moved into a new house, you never know who may still have a key. The cost of replacing your locks is much less than having all of your worldly possessions stolen from from your house. Make sure you fit good quality locks - preferably five-lever mortise locks.

4. Have security lighting installed

Burglars prefer to work in the cover of darkness and do not like to be in the spotlight. Use movement sensors with your lighting to surprise unwelcome visitors and keep them at bay. A blast of bright light will also raise attention with neighbours or yourself in the middle of the night.

5. Install time switches on internal lights

Your house is most at risk to theft when you are not present. Lights that are switched on at a certain time will give outsiders the impression that you are in the house when you are not. You can stagger the intervals the lights come on and off in various rooms make it look like you are moving about the house.

6. Have an alarm system installed

Ask your insurance company if they have a preferred supplier of house alarm systems. By having a professionally installed alarm system can sometimes reduce premiums by over five percent. That is a big saving, plus it will give you peace of mind that your house is safe.

7. Don't leave your keys under the mat

This will be the first place a burglar will look. If you need to hide your keys, put a little thought into somewhere a thief would never think of looking. Also don't leave your keys on a hook close to the front door where a burglar may be able to hook the keys with a wire through the front letter box.

8. Insulate your external pipes
Outside pipes can easily freeze in the great British weather. By lagging (wrapping insulation around the pipe) your external pipes will help to reduce the chance of them freezing. If pipes do freeze you can easily get leaks in cracked pipes or burn out pump motors as the water will not pass through the frozen pipe.

9. Regularly check you house and property for subsidence.

Subsidence is usually covered by your home buildings insurance. It is important to identify movement as soon as possible to limit damage to you house. Look for cracks in walls and unevenness in walls and floors.

10. Only claim if you have to

The lower the number of claims you make, the higher your no claims discount will be. If a minor incident happens, consider carefully before claiming the item on your insurance. If you do submit a claim and loose your no claims discount, is this going to cost you more in the long term?

In order to save money on your insurance you need to compare providers. Ideally you should do this once a year to make sure you are always getting the best price.

Article Source: http://articlenexus.com

Nigel is a successful webmaster and publisher of a best home insurance website. This site showcases home insurance providers and answers questions like what does home insurance cover.

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