Lowering The Cost of Your Home Insurance Quote | Home Contents ...





by nabil

The premiums offered by insurance companies will be dependent on your circumstances and the amount and type of cover you need. Buildings insurance, for example covers the structure of your home and permanent interior fittings such as baths, toilets, fitted kitchens and interior décor, as well as protecting you in the event of serious damage, like fire, flood or collapse. Contents insurance covers your movable belongings, while joint cover protects both buildings and contents under one policy. If you require both types of cover, it’s often cheaper to have a joint policy and you may find it easier to only have to deal with one company. However, there are also other ways to help reduce the cost of your home insurance.

If you’re moving into a new home, you never know who might have a key for your front door, so it’s a good idea to change the locks. Fitting approved locks on doors and windows will help reduce your premium, so consider fitting key locks to windows and patio doors and BS 3621 deadlocks to your outside doors. Also consider installing an approved burglar alarm, which can cut your premium by up to 10 per cent and, if your neighbourhood has one, it’s a good idea to join the neighbourhood watch scheme – a move that could lower your premium by up to five per cent. However, remember to inform your insurer of any changes you make to your property, as failing to do so could invalidate your insurance.

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