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8 Easy Tips for Cheaper Home Insurance
Posted by nick_niesen on October 29th Earl Thomas III Jersey , 2010


No one likes paying for home insurance, but it's a necessary evil for most of us. This doesn't mean you have to pay through the nose for it though - try these 8 easy tips for cheaper home insurance and see how much you could reduce your premiums by.


- Shop Around


By comparing prices from several insurance companies, you'll probably be able to reduce your premiums by a substantial amount. This may seem obvious, but research has shown that a surprisingly large proportion of people either just renew their current policy Mark Andrews Jersey , or get only one or two quotes. Many insurance web sites will automatically compare dozens of policies for you, making this one of the easiest ways to reduce your insurance bill.


- Buy online


If you buy your policy online you can often get a discount of up to 20% on normal prices, because there are less administration costs involved and the savings can be passed on to you.


- Combine your buildings and contents policies


Many insurers will give you a discount if you take out both types of home insurance with them, and this usually works out cheaper than getting the two kinds of policies from different companies.


- Pay upfront


Although most insurers let you pay your premium in monthly instalments Justin Tucker Jersey , many will charge interest for this. If you can afford to pay a full year's premium in advance, then this will work out cheaper in the long run.


- Don't claim for small amounts


Making many small claims can increase your insurance costs, as your insurer may see you as a greater risk and increase your premiums. You will also lose any no claims discount your policy has. Of course, you're entitled to claim for anything your policy covers Trace McSorley Jersey , but ask yourself if making a small claim is really worth the hassle and possible future costs.


- Voluntary excess


This is related to the last point. Insurance policies feature something known as 'excess', which basically means that the policy won't pay out on claims below a certain value. On some policies, if you choose to raise your excess to a higher level, then your premiums will be lower.


- Increase your home security


Beefing up your home security with better door locks Lamar Jackson Jersey , window locks, outdoor lighting, and alarm systems can all result in lower premiums. Ask your insurer what you could do to get extra discounts.


- Reduce your cover


Many policies feature benefits that you might not need, such as cover for personal possessions while travelling Marquise Brown Jersey , or 'free' legal advice. Look through your policy and see what parts of it you really need - by cutting your cover down to size you may be able to reduce your premium.

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This is what these campsites Cambridgeshire are able to offer to you. If you are feeling stressed out lately, it may be time for you to do something else for a weekend. To ensure that you stay away from gadgets and the news Calvin Ridley Jersey , choose one of these campsites Cambridge and you will be enveloped in total bliss for a couple of days. This is what everyone should do and many actually manage to do.



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