Home Insurance Tips

By Author: Lecia Selbo
Total Articles: 49
Comment this article

If you are looking to insure your home, then you can opt to insure just the structure of your property with a buildings insurance policy, or just your personal belongings such as your clothes, furniture and computers using a contents insurance policy, or you can use both policy types

One way of reducing the overall cost of your home insurance cover is to buy your buildings and your contents insurance with the same insurance provider. By combining both of your policies in this way, you may be entitled to a reduced rate.

If you are a private tenant, then you will not need to worry about paying for buildings insurance as this is the responsibility of your landlord. You will need to take out contents cover however, to protect your belongings from damage, fire and theft.

By purchasing your home insurance online you may be able to make home insurance savings, cheaper rates are usually available online when compared to on the high street as it is less costly for insurance companies to run online insurance accounts.

When searching for the lowest cost home insurance deals, it can be really beneficial to use ...
... a comparison website to do your searching for you. You only have to enter your information once, and you will then receive quotes and policy details from a range of insurers making it easier to compare the deals currently on offer.

For a truly comprehensive home insurance search, you should not rely entirely on online comparison websites. This is because these online comparison searches do not include all insurers, with even some major insurers missing from these searches.

When applying for home insurance, be sure to calculate the cost of your possessions as accurately as possible. While it can be tempting to underestimate the cost of your belongings, as a lower insurance amount will mean a lower insurance rate, if you do need to make a claim, you want to be sure that your insurance will truly cover the cost of your possessions, so that you are not left short.

Did you know that many insurers offer reduced rates and discounts to households who go to the extra effort of improving the security of their homes? By setting up certain types of burglar alarm or fire alarm, improving locks, or installing CCTV you may be entitled to a discount. Lecia Selbo took out home insurance with Legal