In today’s economy, everyone wants to save money wherever they can. But when it comes to protecting your home, your belongings and your family, most are under the impression that you can’t cut corners when it comes to protecting against life’s little accidents – after all, insurance is something we all need to ensure we are protected, but it seems that getting the best deals is never easy!
Well, to help you, we’ve come up with 5 simple ways that may work to reduce your home premiums when it comes to keeping all of those things safe:
Install a Safe
Most of us have valuables that we wouldn’t want to be stolen or get damaged beyond repair, and as most insurers will charge extra to insure said valuable items, it helps to invest in a safe within your home. Home safes will help to give you peace of mind knowing that your valuable are safe, and will also show your insurer that you are trying to prevent your items from being stolen by keeping them safe. This in turn will help to lower some of that extra charge from the insurers.
Doors and Windows
By adding key-operated locks and using laminated glass to all windows will give you better protection, and lower your premium as they are harder to break. It can be costly to buy all brand new windows, so why not do it room by room over a period of time? It is important to remember however to by locks that are British Standard approved products, to ensure that you are buying quality, safe locks. Less costly measure you can take is by adding a letterbox cage to your door to stop thieves from reaching threw your door, or a spy hole, so you know exactly who’s at your door before you open it.
This is a great way to reduce your premiums, and get to know what’s happening in your area! You will also have other people, as well as yourself looking out for your home, and for your overall protection. As well as this, you will gain knowledge on how to further protect yourself. But remember – show your sticker so people know you’re a part of it.
By installing a burglar alarm or any type of security system you are protecting yourself against the possibility of theft in your home. It is important that you ensure to fit an approved alarm, preferable an SSAIB or NACOSS approved alarm. This can reduce your contents premiums of up to 10%, however if you forgot to set the alarm and the unfortunate event happens, you will be charged – so make sure you set it!
Making Fewer Claims
It may be obvious that the more you claim, the more likely your insurance premiums will be higher. So don’t claim for everything little thing that goes wrong, as in the long run it will end up being more expensive for yourself in terms of how much you have to pay out as your premium for the next year will rise.
Kathryn Thompson, an experienced freelance writer, wrote this article. Kathryn specialises in providing useful advice on how families can protect their homes with safety products such as those available from www.totalsafes.co.uk.