In the current financial climate, it is more important than ever to have suitable home insurance, giving you the correct cover whilst at the same time being cost effective. Despite the fact that the average buildings and contents policy has increased by six per cent since January according to Moneysupermarket.com, home insurance should be considered a necessity; luckily, there are ways to keep premiums as low as possible.
Perhaps the best way to shop for your home insurance policy is online, as this method allows you to compare product features and prices, making it easier to locate some of the best deals out there. When shopping for quality home insurance online, it is much easier to choose your insurer wisely by shopping around and using price comparison sites. Buying Home and Contents insurance with a specialist insurer such as Castle Cover can therefore mean that you end up securing a top notch policy at a lower price than other insurers.
Before you approach insurers, however, you may wish to take some affordable security measures to your home that will cut the cost of your insurance premiums even further. The first step is to ensure that all locks on external doors and windows are in good condition and adhere to industry standards. If you have recently moved and you want to invest in home insurance for your new property, be sure to check any security guidelines with your insurer and the product details on the packaging of the lock before you buy. If you own a shed, garage, or any other outer building, you must make sure that these are also secured with a suitable lock, especially if there are expensive items inside.
It is also important to make sure that all doors and windows are properly maintained – after all, there is no point fitting locks to doors and windows when their frames are in bad condition and are insecure as a result. Security lights are also a good investment and can deter burglars, preventing them from getting close to your property in the first place.
Finally, even though it may be tempting, under no circumstance should you underinsure. After all, an insufficient policy is as good as no policy at all. Be sure to remember to have your policy reviewed if you make developments to your property, such as a loft conversion or conservatory, as these changes are likely to require amendments to your policy.