Tag Archives: cheap home insurance

Understanding Cheap Home Contents Insurance

There are many factors that affect cheap home contents insurance. First of all it must be understood that if one starts to look for a cheap home contents insurance plan, then one must first get one’s facts straight about the reasons why an insurance plan for a house and its contents is high or low. Then one must also be able to and must look for the best deals in the market and compare them for differences once all the information has been collated. What one must look for are the nuances and the factors which can be taken into account to bargain on the premium amount and hence get the most economical plan.

First of all, it must be understood that a cheap home contents insurance plan totally depends on the distance of a property from the nearest fire station. This is an important factor to be considered because if the house catches fire, the further the fire station is, the later the help will arrive and hence the extent of the damage is higher due to the delay in the arrival if the fire truck. Of course it is not only in case of fire but also other natural events like flood and earthquakes. There is also a cover provided against theft and robbery, which brings us to the next factor that affects the home and contents insurance premium. The location of the house matters and when an insurance assessor visits the property to assess it for damage, he also assesses the crime rate in the area.

This information is sought by punching the post code in the database the home insurance companies have which gives them a bird’s eye view of the crime rate in the area and hence they can assess the risk of damage to property due to theft and robbery.

Home Insurance Deals – How do I get a cheap one?

home insuranceHomeowners should know that you can get a cheap home insurance deal if you are prepared to incorporate a few of these money saving tips before you go out getting a household insurance quote.

It’s a well know fact that many property owners when receiving their annual home insurance renewal premium, don’t bother trying to get another quote from another supplier they just, let their policy renew automatically. It’s a pity because these property owners are throwing away hundreds of pounds every year because of there laziness. I mean some of these individuals might think that they have a cheap deal and are happy with there quote, but if they took the time to obtain a quotation from another provider they might think differently. Home insurers are very competitive today and there are always better deals coming out all the time. Some offering free contents when you buy their buildings cover and online discount of up to 25%. Some companies are offering free emergency cover and legal expenses too. The best advice I can give is to go and get as many quotes as you can at first from as many insurers and brokers as you can. You’ll be surprised at how much money you could potentially save off you’re premiums.

In some cases you can get additional discount if you help to make your property more equipped to handle a disaster. Think about adding storm shutters to your windows and doors, purchasing sand bags in case of floods or how about making your garden and outbuildings more resistant to storms and wind. You can also reduce the risk of damage to your home by updating the electrics and plumbing.

Depending on the insurer you can also get discount if you have an approved burglar alarm fitted in your home. Also, securely lock all doors and windows too with dead locks, so you’re not giving thieves easy access in your home. The less of a risk your home is to being burgled and you making a claim the bigger the discount you could receive from the insurer.