Reducing the cost of home insurance

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<h1>Reducing the cost of home insurance </h1><strong> Author: <a href='http://www.articleseen.com/profile_Foster Carr.aspx'>Foster Carr</a></strong><br /><p>If you want to pay less for your home insurance, as a minimum your mortgage provider will still require you to have buildings insurance to cover the cost of repairing or rebuilding your home. It is up to you to decide whether to also purchase contents insurance to cover the things in your home, although it could be an expensive gamble if something were to go wrong and you had no insurance. To reduce your premium, there are some things you can do that will not leave you unprotected and that cost little or are free. Firstly, do shop around for your home insurance. Different companies offer different deals, so you may find big savings. Price comparison websites can be a fast and straightforward way to look at lots of providers, and most have simple guidance to help you understand the different levels of cover as well as giving prices for many different companies. It is important that the policy you have meets your needs so do look at the small print before making your decision. If you get your buildings and contents insurance from the same company you will often get a better price. Some insurers offer further discounts when you buy your travel and car insurance at the same time as your home insurance. If you opt for a home insurance policy with a higher voluntary excess you will usually get a cheaper deal, but be realistic about what you would be able to pay if you did have to make a claim. Dont forget, the real reason to get home insurance is to give you financial protection if your house or belongings need to be mended, rebuilt or replaced, so it is not worth buying a really cheap policy that would still leave you financially struggling if there was a real disaster such as a house fire. Get an approved burglar alarm installed and fit proper door and window locks. This will help you to avoid the trauma and inconvenience of a burglary and will also make your home insurance cheaper. Look for deals where you can pay annually in a lump sum rather than monthly instalments, there is often a discount. Finally, try and join a Neighbourhood Watch scheme, this costs nothing and can make your home insurance cheaper. When attempting to get a cheaper home insurance premium, dont ever lie your insurer about your belongings or the condition your home is in. If you are caught out the insurer may refuse to pay out and you may find yourself badly out of pocket. </p><strong>About the Author:</strong><br />Whatever you call home, whether it's a three-bedroom semi, a country cottage, or a penthouse apartment, Kwik Fit Insurance's panel of leading insurers find you the best price for <a rel="nofollow" href="http://www.kwik-fitinsurance.com/home/home-insurance.html">home insurance</a>. <p> Article Source: <a href='http://www.articleseen.com/Article_Reducing-the-cost-of-home-insurance_1657.aspx'> http://www.articleseen.com/Article_Reducing the cost of home insurance _1657.aspx</a></p>

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Category : Finance : Insurance