Home insurance is a general term for two different insurance products. Safe buildings to protect construction and household contents insurance to protect objects from home furniture and objects of value owned.
The problem is that not all home insurance policies are equal to making it difficult to compare with equal.Areas and the level of protection offered varies from policy to policy together with the precio.Por therefore have a clear idea of what you need to make and how much help you to minimize the total time and the money spent to buy it.
TIP 1: cut the risk and reduce the premium
All insurance protects against the risk of losses financieras.Así that to reduce the cost, cut the risk the company insurance and you may be rewarded with a lower premium.Here is a brief summary of the most effective measures.
or call your company secure domestic or local neighbourhood watch scheme and send you a list of steps to take to make your home more secure.
or adjust blocks all Windows and level 5 (BS3621) handles deadlocks locks in the puertas.La most insurance companies will give up to 10% discount from your secure content if you have these kind of locks fitted.
or you can also have an alarm fitted by an alarm more recognized in the form, which you can recommend your insurance company, and once again this can give you up to 10% of its policy.Note that these are expensive alarms that require an annual checkup.
or the policy of increasing excess.Usually you will pay the first £ 50 of any claim, but if you're willing to pay more, your premium will fall.
or clock vecindad.Algunas insurance companies offer discounts if you live in an area of clock neighbourhood; however this is becoming less common.
or no claims bonus. As well as your car insurance a record of any previous claims will substantially reduce its prima.Si you need to make a complaint, consider whether it can be cheaper to pay for the loss yourself to avoid an increase in premiums.
or her edad.Estadísticamente, age, less likely you are going to make a claim.So if you are a lower risk, this will be reflected in their primas.Algunas companies offer additional benefits to older than 50 years, as the saga.
Special precautions for o. declare any special precautions for safety in their valuables, such as a safe home.
or vida.Si lifestyle has a dog, they are teetotal and non-smokers, be sure to declare the present as these factors are used by some insurers to reduce premiums.
or occasionally apply to your existing insurer as a new customer can reduce your premiums.Many insurance companies offer discounts to new clients that do not repeat when you come to renew.
Normally, or if you apply online will receive you a discount of around 5%.
Before performing any improvement of security to your home, always check with your home insurance company first.Confirm that improvements will have the greatest impact of cost cutting.
Tip 2: only pay for the home you need insurance
Calculate an exact figure for the value of safe buildings and contents can be uncomfortable, so a lot of homeowners is under the insured, or paying for levels of cover that really don't need.
Safe buildings covers the cost of later for a redesign of its property not market value.Then the value of a redesign your home is the cost of rebuilding it should for instance is destroyed by fire or hundimiento.El value then of a redesign your home usually can be found in its agreement on mortgage, or title.Building cost Information Service (BCIS) of the Royal Institution of Chartered Surveyors (RICS) produces a variety of guidelines, detailed on the cost of reconstruction of houses and flats-along with a re-building cost calculator.
Alternatively, you can choose a policy which is a sum of unlimited standard buildings or high secured so that you don't have to be concerned with ensuring the correct amount.
Safe home content covers almost everything you could take with you if you have moved to casa.Hacer a list of the rooms in your House and make a note of all the elements contained in each of them with their time valor.Una that have done this, the total of the individual to see what content you need insurance protection amounts.Remember to items of value such as a CD, videos and clothing as their collective cost is often under asegurado.Si your wardrobe is full of jeans or designer labels, be sure to include the cost of replacing them.
Tip 3: take into account different buildings & secure content
If you need buildings and contents insurance, get quotes for different policies for potential savings máximo.Mayoría insurers provide them as separate policies and just because one is cheap for buildings cover doesn't mean that they are equally competitive to ensure that the contenido.encontrar cheaper suppliers for each component and consider the purchase of each different insurers.
Tip 4: buy about homeowners insurance
As with any other product of retail sale, the biggest savings are revealed by shopping.
First, simply opt for the home provided by your lender hipotecario.pueden insurance be desirable when classification occupied their mortgage, but is often more a price and it is likely that you have not been compared against other policies on the market.
Buying insurance have basically three options; go directly to the insurer, surf the web, or use an intermediario.Si has the time and commitment can make all three, but is the path to faster and more efficient log on and use the reach of the internet.
Best secure Web sites compare dozens of corridors and safe home in minutes. companies only have to fill out a form for a list of premiums shown on the screen of the main insurance companies and corredores.Sin however, if you have very specific or unusual requirements the final premium may increase when confirmed directly with your chosen insurer.
Tip 5: racing & Save
Like all other products, insurance has a built in that can be negotiated down if you are armed with information correcta.No profit margin each insurer will buckle and granted an additional discount, but if you do not request not going to know.
or Firstly, finding the cheapest offer after using comparison of internet sites and phoning a few runners.
or take the cheapest offer and contact your insurer in first asked to batirlo.Si them not to move, please contact the insurer secondly more cheap and do the same.
or, if after all that the insurer does not cut premium, ask them to throw in some cover overtime to sweeten the deal or skip to the next insurance company home.
