Saving on Buildings and Contents Insurance

Saving on Buildings and Contents Insurance

Buildings and contents insurance has become increasingly expensive. So much so that many people are abandoning it in favor of saving a few hundred dollars per month. In my opinion its extremely risky to not insure your greatest asset - your home.The truth is that you really can make some decent savings by just doing a few basic things. For many people this can make the difference between being able to afford it or not. Here are 3 easy things that you can do to bring down your insurance premiums significantly.- AlarmsBy installing smoke detectors and fire alarms in your home you greatly reduce the risk of fire and your insurer will reward you for this by giving you a much lower premium. The same goes for burglar alarms since this reduces the risk of theft significantly. Installing alarms is relatively inexpensive and the rewards are high.- RenovateOlder homes are generally considered a bigger risk for fire as faulty wiring is one of the number one causes of domestic fires. If you are planning on renovating, then make sure you do so before you renew your buildings and contents insurance for the year. Make sure you get a professional to check your wiring and have him leave you a report that you can provide to your insurer.- Trim Your CoverMost people that have buildings and contents insurance tend to over insure on their contents. Some things are just not worth insuring - especially smaller electronic items as its probably cheaper to replace it than it is to insure it. If you have to save, then make sure you only insure those things that are of high value and that would be to costly to replace on your own.Are you looking for cheap contents insurance? See my blog for some great tips on saving big and learn more about building and contents insurance.

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