Getting the appropriate cover for your home is more important than ever, particularly for young families. As assets such as electronics, clothing and jewellery rise in number and more memories are associated with simple items scattered across the home, it becomes increasingly important for people to consider home insurance from Castle Cover.
However, with a few top tips, this expense needn’t be one that you notice coming out of your bank account. 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.
Firstly, avoid making any claims on your home insurance unless you really have to. Fewer claims means a lower premium in the long term, so check if your insurer offers no-claims discounts that could save you a lot of money on future premiums.
Also be sure that your home is as safe and secure as it can be, as much for your own safety as insurance purposes. Fitting the best-quality locks on all doors and windows is a good place to start, before threading a burglar alarm around these points. Furthermore, look out for a local Neighbourhood Watch scheme and join it. Many people forget to fit and regularly test smoke alarms, even though these are often free from the fire service or a few pounds to buy at most).
Increasing your excess is also a great way to lower your outgoings, especially if you believe your house to be particularly secure. For those unaware of how excess works, it is the amount the individual would have to pay out on a claim before the insurance is worked into the deal; the higher the excess is, the lower a premium will be.
Insurers also give better and cheaper home insurance premiums if the house you are protecting is always occupied. Just remember that many insurance deals will not cover a house after a 30 day period of absence, such as if you are on holiday for a month or more.
Finally, ensure you shop around, particularly through online search engines. Insurers send renewal quotes though these are unlikely to be the cheapest you can get, so compare in as much detail you can; new customers are often offered better rates.