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How can you keep the cost of your home insurance down to a minimum? This is a question many people are thinking about right now. Money is tight, job security is well, insecure and government support to help out if things go wrong is constantly being reduced. The first thing to consider is changing your home insurance policy. Insurers are looking for new business all the time, so they tend to offer attractive schemes to new customers and low introductory rates. Secondly, look to buy online. You can save around 20% by using the Internet instead of the phone. The Internet is also a faster way to hunt out potential insurers and compare their prices on screen. You can of course try price comparison sites, but many insurers are moving away from this method of sales and it can now pay to go direct. It also makes sense to insure the contents of your house as well as the building itself; after all it is the contents that turn a house into a home. In addition, it makes great financial sense. You could benefit from a discount or free contents cover when you buy buildings insurance. Another way to reduce your annual premium is to increase the amount you pay towards a claim ? the excess. If you are willing to increase this, your premium will decrease and let's be honest, we usually only claim on the most costly things anyway, and this itself is a rare occurrence, so saving annually might be financially more worthwhile than saving a ?100 every few years. What about security? By adding security measures such as outdoor lights, deadlocks on doors and windows and fitting a burglar alarm, the cost of your home insurance is likely to go down. You could also consider becoming a member of your local neighbourhood watch. Membership has a positive effect on your insurance premium, and your whole neighbourhood will benefit by becoming a safer environment to live in. Less crime equals less burglary and vandalism so fewer claims for you. Finally, keep your home in good working order. Check pipes and guttering before winter sets in to avoid burst pipes. This can be a costly claim and a rather disrupting intrusion into your daily routine. A well maintained and safe house means lower insurance costs.
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