North Leeds Plumbing & Heating – Home Improvement and DIY Advice

Archive for the ‘Home Insurance’ Category

When accumulating house insurance quotes for your home’s contents, there are a few actions you can take which will help you get the cheapest home insurance possible:

•    Reduce the risk of theft

1. Fit a burglar alarm.
2. Buy a safe for storing valuables.
3. Install time-switch lights.
4. Place security lighting at key points on the exterior of your home.
5. Plant prickly hedges and thorny flowering bushes underneath ground floor windows.
6. Have bars fitted to ground floor windows.
7. Participate in a Neighbourhood Watch.

•    Reduce the risk of fire by fitting smoke alarms in every room. (Remember, a smoke alarm is only good if it is maintained.)
•    Increase your excess. If you are willing to be a bit more out of pocket in the instance of a claim, you can reduce your monthly premium payments.
•    Look for discounts: this could include no-claims discounts, reduced premiums for over-45s, non-smokers, and so forth. Also, some insurance companies offer reduced premiums for people who take out a range of insurance (car, home, contents) with them.

It is important that, before you decide on which insurance company to go with, you shop around and compare as many prices as possible. Compare “like with like” policies, i.e., don’t compare an indemnity policy with a replacement as new policy, as they offer differing coverage and the premiums are different. You also need to read the policies thoroughly to ensure that you’re getting all of the coverage you require.