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HOME INSURANCE TIPS
1. Fit your property with 5 point door locks on all external doors. Window locks should also be fitted where possible, this reduces the chances of windows being prized open.
2. Think about install a home security alarm system, insurance companies will reduce premiums if fitted. Smoke detectors should also be fitted, this will effect premiums, but also peice of mind
3. Don't just take your renewal quote for your current provider, every year compare quotes form more than one home insurance provider via www.Insurance-quoteuk.com to get the best quote.
4. Obtain your home insurance policy from your car insurance supplier, this will generally reduce your premium between 5 to 15%.
5. It may seem obvious, why pay for cover that is not required, your property is only worth so much, don't over insure it, most insurance companies offer a fixed amount for contents, but make sure your not paying more for that fixed cover.
6. Keep your cover up to date, check your previous year's policy document. If any of your circumstances have changed, let your insurance company know.
7. Insurers are being more vigalent in these current times. For instance, owning a swimming pool or a trampoline can increase your cost of coverage. Owning certain types of dogs (Rottweilers, Doberman, Pit Bulls), can limit or void your policy. It is worth reading all the fine print in your policy under the 'Conditions and Coverages' sections so you know all the things that are excluded from coverage. You may opt to buy additional coverage to protect yourself from certain exposures.
8. Increase your voluntary excess, this can reduce you annual premium by as much as 25-30%.
9. Is your property in a neighbourhood watch area, this can reduce your premium in some cases.
10. Prior to purchasing a new property, check to see if the property is on a flood plain. Some insurance companies may not provide you with insurance if there is a history of flooding.
