The importance of getting home insurance

Getting cover for your home is more important than ever. Assets such as electronics and jewellery are always increasing in fiscal value and memories associated with them as a result its increasingly becoming more important for people to consider home insurance.


There are certain things you can do to make sure you get the best value for money, safe in the knowledge that you're protecting the assets you've worked so hard to get.


The best tip to know before starting to look for home insurance is to consider yourself as a niche and to identify companies that cater to your niche for example if you are over 50 then consider companies that cater just for you such as who are over 50 insurance specialists and are guaranteed to offer a better policy then a general insurance company.


Secondly if possible try to avoid making claims unless you really have to. Fewer claims result in a lower premium in the long term, check if your insurer offers no-claims discounts that could save you a lot of money on future premiums.


Ensure your home is secure as it can be fitting the best-quality locks on all doors and windows are a good place to start. Look out for a local Neighbourhood Watch scheme and join it.


Another handy tip is to increase your excess this is a good way to lower your premiums if you believe your house to be particularly secure.


Some insurers offer cheaper home insurance if the house you getting a policy for is always occupied. But remember that many insurance deals will not cover a house after a 30 day period of absence.

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