8 major Tips for home insurance

Shop around the store

When the price of an individual insurance, you will probably be able to reduce their premiums by a significant amount. This may seem obvious, but research has shown that it is surprising that a large percentage of the population, or simply extend their current policies, or only one or two subjects. Many sites will automatically compare dozens of insurance, which is one of the easiest ways to Bill your insurance company.

- Buy the policy on-line

When you buy your policy online you can often get discounts up to 20% compared to current prices, because lower administrative costs and the savings that could be passed on to you.

- Join the buildings and their contents policy - the more you make it joint the better you are getting the discounts.

Many insurance companies give you a discount if you have both types of securities and insurance household with them, and it is usually cheaper than calling the two types of policies from different companies.

- Prepay

Although most insurance companies can pay the premiums on your monthly installment, many of them charge interest on it. If you can afford for the full year bonuses in advance, then this item cheaper in the long term.

- Right on a small number

The formation of many small claims on their insurance if your insurer may be a greater risk and increase their contributions. You also do not lose all rights to its discount rate policy. Of course, you can ask for anything relating to your policy, but ask yourself if you have a small claim is really worth and potential future costs.

- Voluntary excess

This refers to the last point. Insurance is a feature called "extra", which effectively means that the policy will not pay for claims below a certain value. In some areas, if you choose for your surplus to a higher level, and then the premium will be lower.

- Increase the security of your house

Protecting your home with a better safety locks on doors, window locks, outdoor lighting, alarm systems and may result in lower insurance premiums. Ask your insurer what you could do to obtain additional discounts.

- Limitation of coverage

Many of the political role of the advantages that you may not be necessary, to cover personal belongings during the journey, or "free" legal advice. Look through your policy and see what parts you really need - by reducing the range can be tailored to your premium.