With the average value of people’s possessions hitting the £45,000 mark, insuring a home and its contents can be an expensive business.
However, there are a number of cost-saving measures that homeowners can take to bring their home insurance cover down.
Theft is one of the major reasons people have to claim on their home contents insurance, so if you can reduce the risk of theft in your home, your premiums will come down.
Installing a burglar alarms is a simple but effective way to reduce the risk of theft and also to give you peace of mind. NACOSS standard alarms can save you as much as 7.5% on your home insurance policy. Joining a local neighbourhood watch scheme will also help to this end, as will using approved window and door locks to secure your home.
Time-switch lights to deter burglars when you are out of the house are a good measure to take and a powerful security light on the front of your house can act as a deterrent at any time. If you live in a below-ground-floor flat, it is highly recommended that you have bars fitted to your windows.
Another great way to save on your home insurance policy is to shop around. A huge range of home contents insurance plans exist, so take the time to research exactly what you need before you take the plunge.
