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10 Tips To Get Cheaper Home Insurance

By: Nigel M

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

1. Increase your voluntary excess

Your insurance excess is the amount of money you agree to pay towards a claim before the insurer pays the remainder. For example, if you had a £200 excess and a 500 pound claim you would pay 200 pounds and the insurer would pay 300 pounds. If you choose to pay a higher excess, you will be charged a lower premium. You can make substantial savings by doing this. When you are comparing policies, play around with changing the excess amount to see how much you can save.

2. Fit smoke alarms

Fire alarms are pretty cheap, especially when compared to the cost of a home or the loss of a life. A large number of house fires are caused by smoking or cooking. Never leave your cooking unattended, don't leave matches or lighters laying around and don't smoke cigarettes in bed. Be aware if you have young children that they love to play with all things new and exciting. They may turn the cooker on, cover lamps or light paper. All of these things can 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 changing your locks is far less than having all of your worldly possessions stolen from from your home. Make sure you install quality locks - preferably 5-lever mortise locks.

4. Have security lighting installed

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

5. Install time switches on internal lights

Your house is most at risk to burgulary when you are not there. 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 times lights come on and off in various rooms make it look like you are moving about the house.

6. Have an alarm system installed

Check with your insurer if they have a preferred provider of house alarm systems. By installing a professional alarm system can often cut premiums by over five %. That is a great saving, and 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 thief will look. If you need to hide your house keys, put a little thought into somewhere a thief would never think of looking. Also don't keep your keys on a hook close to the front door where a thief may be able to hook the keys with a wire through the front letter box.

8. Insulate your external pipes
Outside pipes can freeze easily 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 often 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 generally covered by your buildings insurance. It is important to identify movement as soon as possible to limit damage to you house. Look for unevenness in walls and floors and cracks in walls.

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, think carefully before claiming the item on your insurance. If you do make a claim and loose your no claims discount, is this going to cost you more in the long run?

In order to save money on your insurance you have to compare insurance providers. Ideally you should be checking insurance deals at least once a year to make sure you are always getting the best price.

Article Source: http://www.articlekingpro.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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