Looking for home insurance can be quite tricky if you don’t know how to get the best deals. Below are a few home insurance quote tips which could help you towards getting quality home insurance.
Improve security in your home:
Maintain a security system and smoke alarms. It’s been shown that installing smoke alarms can save the homeowner 10% or more in annual premiums. If you can show the insurance company that your home is secure and has fittings that are likely to deter theft or that are able to prevent damage to the home, this may get you a cheaper home insurance quote.
Raise your deductible:
The higher the excess amount you choose to pay, the lower the annual premiums. It’s important to make sure that you can actually afford this amount before you agree to any terms.
Look for multiple policy discounts:
If you have more than one insurance policy with the same company you can get a discount. You may be able to save on two annual policy premiums this way. You are able to get your home insurance quote customised to multi-policies with the same insurance company.
Review policies regularly:
As a rule of thumb, it’s always advisable to compare policies annually. You should also review your existing policy and use it a measuring stick. To get the best home insurance quote you should also make sure that you inform the insurance company if you have made any changes to the home which may lead to lower premiums. While loyalty can be quite admirable, the fact is that your insurance company places more emphasis on the bottom line, so they are not likely to try to find ways of saving you money. This is why it’s so important to review policies regularly and to make sure that you have sufficient cover for your home insurance needs.
