Reduce House Insurance Premiums

House Insurance

There's a few ways to reduce your household bills that work well, reducing your house insurance bill is a good way to save a large sum of money in some instances. How do you go about doing this you ask? Well, starting simply you can't change where you live. Yes this has a big effect on the premium, some postcodes that are away from urban areas are very cheap to insure, inner London areas are very expensive. Well, since we can't easily change where you live, it's worth looking at other areas that can have an effect.

Security saves money! Insurers give discounts for a secure property, having key operated window locks, mortise dead locks, an alarm, and maybe even a member of family who's in the house the whole day helps reduce the premium,

Picking cover that you use can help, did you know that most insurers cover you for accidental damage for TVs, videos, hi-fi, mirrors and fixed glass. You can have all contents on accidental damage, but honestly, would you claim for something small? If the answer is no, then opt for standard cover. Some stores also offer cover for mobile phones, tablets laptops etc. You can cover all of these on your household insurance for a fraction of the cost of covering them singly.

All risks cover can also be something that you may buy, but not use, this cover extends the cover you have in the house to anywhere! Even worldwide if required, it is expensive but for really expensive articles its money well spent to protect items taken out of the premises. Statistics also prove that if you have a garden that backs on to a park or wood land that you are less likely to have a theft from the garden, typically bikes, garden equipment, tools etc. Making the shed safe can make all the difference to whether you suffer this kind of loss. Most DIY shops these days can sell you all of the security required to make it very difficult for this kind of theft. Things like automated lighting, motion sensed to pick up movement. Locks, fences, alarms, etc can make theft difficult, if not impossible.

Being members of neighbourhood watch schemes, and other very good programmes can also help, although the physical security of locks and alarms are usually more of what the insurers will want for reduced insurance rates.