Getting the best home insurance quotes can be a tricky business. There are many factors insurers will take into consideration when offering you a quote; some obvious, some not so obvious. Nonetheless, there are many things you can do to give yourself a helping hand and get the best quote.
The big thing to think about is the security of the home and its surrounding area. The insurer will always take this into consideration when offering a quote. Help your cause by installing strong locks and keeping bolts on the windows. Make sure the home is well equipped with a good security system. A National Approved Council for Security Systems (NACOSS) standard alarm can help reduce some home insurance quotes by up to seven per cent. Never leave spare keys in what you think may be 'clever' hiding places and also avoid leaving them too close to a door as some criminals have ingenious ways of getting in through the letterbox.
Joining a neighborhood watch can also help reduce costs. The quotes have been known to be reduced by up to five per cent if you inform them that you are involved in your local scheme. Lighting can also help - bright lights around your home could deter would-be burglars, as will leaving lights on whilst you are out, and not giving the impression of an empty, burglar friendly home.
Protecting your home against fire is also an important aspect. Non-smoking is a massive bonus. Nowadays insurers will often ask if you are a smoker when giving home insurance quotes. Fitting adequate smoke alarm systems is a must for your safety but certain approved smoke detection systems will also reduce your home insurance quote as well.
It's important to think about the cover your really need. Protection against subsidence is probably going to be useful but hurricane protection may not be necessary unless you live in an area particularly prone to hurricanes. Unnecessary add-ons such as this can increase home insurance quotes by up to 25 per cent. Finally, only claim when you really have to! This will improve your no-claims discount immeasurably
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