Feb 01 2010
Searching for homeowners insurance on the net can save you money
If you are prepared to search online and do some of these simple steps listed below then you can save money on your home insurance. Just putting a small amount of effort in to searching for a low cost buildings and contents insurance policy is all that is needed.
Shop around for as many quotes as you can at the many home insurance websites that are on the net. Use their comparison tables that compare building and content policy features, excess and additional requirements such as home emergency coverage, personal possessions and accidental damage coverage. You need to get at least five quotes to be able to get a good understanding for costs.
Some companies like to push you to buy buildings and contents as a combined policy rather than single policies, but take time out to get single quotes for each individual policy as well. I know this is a bit more work, but you may find that you’ll save some money. Just give it a try and see. Compare saga home insurance policies and enjoy great savings, especially for the over 50s market.
Do you have a smoke or security alarm fitted at your property? If you do then you are more likely to get a reduction off the price of the premium. So get them installed in your home if you have not.
Are you a member of a neighborhood watch scheme? If you are make sure you inform the insurer, as again they may give you a small discount. Insurance companies will categorize your property as less risky if you implement these security precautions.
You could also increase the excess on your policy; this will give you a lower priced premium. However, if you need to make a claim, you’ll need to pay this money to the insurer. Just make sure that you can afford to pay whatever excess you choose.
Another tip is to look at multi-policy discounts on other products when you buy a buildings and contents policy from the insurer. This could save you money on other insurance products like car insurance, which we all need if we own a car.
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