tomazstolfa/Flickr

Running a household is difficult enough without having to worry about burglars breaking into your home. For peace of mind, many of us choose home insurance for protection. Here are a few handy hints that can help you keep the cost of insuring your home as low as possible:

Compare and contrast
In the digital age, it’s simple to research home insurance companies and find the best one for you. Log onto a price comparison website like moneysupermarket for a wide range of home insurance quotes based on your precise circumstances, allowing you to pick the one that’s right for you. If that just so happens to be the cheapest policy, then so be it!

Keep it locked
Burglars love to prey on unlocked doors and windows, so make sure that yours are kept locked whenever you are not at home – even if it’s just for a few minutes. Five-lever mortise locks are recommended for your doors and if you don’t have double-glazed windows, these are also a good security investment, as your insurance company will lower your premium.

Stub it out
Smokers pay more for their home contents insurance, due to the increased risk of fires being started in their homes. Let lower home contents insurance be your incentive to quit!

Hide your keys
A common tactic employed by burglars is to locate a person’s front door keys to gain full access to the house. Never leave your keys within reach of a window or door, as burglars are adept at finding innovative ways of reaching into your home to grab them.

Up your excess
By increasing the amount of excess you agree to pay in the event of a claim, you can get lower premiums. Also, make sure you never make a claim on your policy unless you absolutely need to – claiming unnecessarily could jeopardise any no-claims discount you might be entitled to.

This is sponsored content. Interested in an ad? Read my blog advertising page.

Tagged: comparison tools, home insurance, insurance, lowering your insurance bill, theft on Wednesday, April 27, 2011 · 1 Comment »