How to obtain home insurance without breaking the bank

06 August 2013 - Which Way To Pay

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Four Top Tips: Cut the cost of your home insurance

If you are a homeowner, ensuring you have suitable home insurance in place is essential. But is it possible to have the right home insurance in place without breaking the bank? Below we look at five of the best ways to slash your home insurance quote so you don’t end up paying through the nose.

1. Don’t renew your home insurance automatically

Never accept your renewal quote or the first quote you are given. You are more than likely to find a cheaper quote if you do your research and get several home insurance quotations. Comparing home insurance quotes online is the best way to do this.

2. Pay for home insurance policy in one go

If you can afford it, pay your home insurance policy in single payment. Doing this, you will forgo the extra charges that apply when you pay by monthly direct debit. Paying monthly could mean you end up paying up to 30% in interest payments for the privilege.

3. Forget the add-ons

It is common practice for insurance companies to sell add-ons to up the price of your policy. These can be products such as special events cover or freezer contents. Think carefully before you commit to any unnecessary add-ons and ensure that you really do need them.

4. Improve your home security

A great way to cut the cost of home insurance is to make your property look as safe as possible. Get a burglar alarm, fit insurer-approved locks to your doors and windows and keep them locked! Not only will this cut the cost of your insurance premium but it will also make your home less of a target to burglars.

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