AS WE all know, getting home insurance is one of the worst bits about moving into a new house.
The forms take forever to fill in, you have to work out the value of all the items you own and you’d have to be a locksmith to understand half the security questions you’re asked.
But one saving grace of getting home insurance these days is that it’s never been easier to save money as you do it.
Thanks to cashback offers and price comparison sites, you can make sure you’re not paying over the odds for your cover.
To that end, we’re taking a look at how you can save yourself a few quid when it comes time to snap up a new policy.
How can I get cheap home insurance?
First of all, it pays to shop around. Price comparison sites such as Compare The Market and USwitch allow you to fill in a generic home insurance questionnaire before providing you with a huge range of possible insurers.
- Compare home insurance quotes with U Switch here
- Compare home insurance quotes with Compare the Market here
It’s worth noting that not all insurers feature on comparison sites, so you’ll have to go to the likes of Direct Line, Admiral and Aviva directly to get a quote.
As well as checking comparison sites, it’s also well worth checking cashback sites such as Quidco and TopCashback before you buy your policy.
Both sites are partnered with a range of insurers, and, by using them, you can earn over £100 in cashback depending on the insurance you end up choosing.
For instance, going through TopCashback to buy home insurance from Policy Expert can earn you up to £120 cashback, which will go a long way to reducing your insurance costs.
What are the different types of home insurance?
There’s two main types of home insurance: buildings insurance and contents insurance.
Buildings insurance is there should you need repairs to the structure of your home such as the roof or walls as well as fittings such as toilets and baths.
Contents insurance covers the costs of possessions inside your home if they’re broken or stolen, such as your TV, musical instruments or gadgets.
Some insurers also offer combined buildings and contents insurance.
How can I reduce my home insurance premiums?
As we’ve already suggested, shopping around and using cashback sites are a great way of reducing the cost of your home insurance.
But there’s other things you can do that insurers will look at when calculating how much to charge you.
Improving your home security is a good start. On your doors you want to have the most secure type of lock, which on front doors is usually a five point mortice lock. Insurers sometimes insist that the lock fitted complies to the BS 3621 standard.
You can tell if you’ve got one already if you can see the logo next to the lock on your door, along with the number BS 3621 which you can see in the photo above.
Making fewer claims should help to reduce your home insurance premiums over time, so only make a claim if you really need to.
Fitting and testing a smoke and burglar alarm is always a good idea.
And having a larger voluntary excess (the amount of money you’ll pay for replacements or repairs before your insurance kicks in) will also likely reduce the price of your policy.
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Find discounts on various insurance policies at Sun Vouchers.
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