Reduce your risk and get cheap home insurance

Insurance companies reward the security conscious customer by reducing their home insurance premium. By looking at the following useful tips you may find ways of making yours a truly cheap home insurance without reducing you level of cover.

It may be that other insurance companies will offer you the same cover at a lower premium. This is possible because each home insurance provider has certain profiles of customer that they are attempting to attract and by matching yourself with the right company you may be able to reduce your costs without doing anything to the property at all. Our partners Insurancewide specialise in just this, providing you with the home insurance company that best matches the insurance risk that you represent taking into account a range on items including location, age and use of the property, your age, occupation and claims record.

Increase your home protection by following our home security guide, which has helpfull information about window and door locks, alarm systems, property marking, Neighbourhood Watch shemes and leaving your home for a short or long period.

You could contact your local Neighbourhood Watch scheme or your insurer and take their advice on any extra security arangements that may be considered worthwhile, for instance, a professionally fitted, home insurance industry recognised alarm system can save you around 10% on your premium. Applying online will often give you a discount of up to 10%.

If you are of a certain age, meaning over 50 years old, you may be able to get cheaper home insurance by applying to specialist provider like Saga who are particularly advantageous for the more senior home owner.

Ensure that the removable contents in your property are marked with your postcode and that you have an up-to-date list of your valuables including the serial numbers of any items that bear them such as electronic and electrical applialces.

Just as a final exercise, leave your property, as if you were going away for a weeks holiday, locking-up securely. Then look back at all the doors and windows to the front, back and side of your property, and imagine if a burglar could get in each one. For instance, is there a window above a garage or shed that could provide easy access, and is that window securely locked? or would it be possible to gain entry without being visible or making a lot noise by breaking glass?

After you have considered the above suggestions and made any improvements that are obvious to you or that have been advised by your insurer, contact your company again and ask them to make all premium amendments that are applicable.

Get a Cheap Home Insurance Quote

Top of Page