A Dummy's Guide To Home Insurance Quotes
If you're living under the impression that you owe a certain amount of loyalty
to institutions such as your bank and your insurance company, then you need to know that you aren't doing yourself any favours. What's more, irrespective of how long you remain loyal to your bank, or to your insurance company, don't ever expect to receive any loyalty in return.This is exactly why the internet is nowadays full of advice regarding the importance of getting home insurance quotes on a regular basis rather than simply remaining loyal to your current provider year after year. In fact, this entire concept of loyalty between clients and insurance companies is actually quite ironic.
For example, if you signed up with your current provider four years ago, and last month they decided to introduce a new special offer, as an existing client, you probably wouldn't even qualify. The only way you'd be able to take advantage of such offers is by cancelling your current policy with them, and then starting all over a again.
Now, this is not to say insurance companies are all crooked, because you can be rest assured the same marketing strategy takes place in several industries, such as satellite TV and Internet access. If you've been with the same provider for a number of years then statistics suggest that you have approximately a 75% chance of finding a better deal from one of the other insurance companies operating within the United Kingdom.
Apart from the fact that insurance companies are always promoting new packages and special offers, they also continuously change the goal posts. In other words, there could very well be certain measures you can take nowadays in order to qualify for reduced rates, even though these measures may have not been recognised in the past.
Common Ways to Reduce Insurance Premiums:
The most common, and the most effective way to have your rates reduced is by having your excess amount raised. Unfortunately, however, because this can have such a dramatic impact on the amount you pay for insurance, many home owners end up setting the excess amount too high. The danger here is, if your home ever did get destroyed or severely damaged, you may not be financially capable of paying the excess amount.
Making sure your property is adequately secured against potential thieves will also see a reduction in your rates. For example, you need to have an approved burglar alarm system fitted, but you need to be sure it's a brand which is recognised by the company you intend going with. Having security bars on all the windows will of course also count in your favour, and if you really want to impress your insurance company, then you should consider having CCTV installed as well. Anything which makes it more difficult for thieves to gain entry will count in your favour when you start applying for home insurance quotes, so always make sure you mention any such features when making an application.
There really are many things you can do in order to keep the costs of home insurance down, but of course much of it boils down to whether or not you're willing to do a little bit of research beforehand. If you well and truly cannot be bothered taking on the task yourself, then you may want to consider leaving the leg work to an experienced insurance broker instead to supply you with home insurance quotes.
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