Household Insurance Tips

by admin on April 12, 2010 · 1 comment

How do property owners cut the cost of their home insurance renewal? Read these tips before you start to go off searching for quotes and they could lower your household insurance premium and go towards saving you a lot of money.

Obtaining a cheap home insurance quote is much easier than it use to be. Homeowners can now get a quote from loads of insurers and brokers, and will find that they are all really competitive, offering great discounts and incentive that will hopefully get you to buy a policy from them. Online discounts will give you a 25% saving straight away, and then look for free features such as home emergency cover and accidental damage, and any other features that you might want. Multi product discounts can be a good source for more discounts, so if you have a pet or car insurance policy, why not get them all from the same provider so you can get more savings.

Always try to compare like for like cover options when getting lots of quotes, as you will find it easier when trying to compare all the policies. Don’t just look at the overall cost; look at what features and level of cover they are offering. I would decide first what cover I need to adequately cover my home and all of my contents, then go offer and get some quotes. Excess can play a major part on the out come of the cost of your policy, so be careful on what amount you agree to pay in the event of a claim. It is true that by increasing the excess to a higher amount can reduce your premium by as much as 35%, but the draw back is when you need to make a claim.

Reducing the risk to claim, by installing a burglar alarm system, locking doors and windows, plus introducing a smoke detector in your home is a bit of good advice that can save you some money with most insurers.

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{ 1 comment… read it below or add one }

Pace Talley April 12, 2010 at 4:13 pm

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