Tips To Help You Find Great Prices On Building Insurance
If you are a home owner, you probably know that you need the right insurance to protect
your home and valuables from things like theft or natural disasters. This doesn't mean that finding this type of cover is easy, but it can be much less difficult when you know what you need in home insurance, since you can then focus on getting the very lowest price from a company that has a good reputation.
In order to obtain the lowest price on building insurance here are some excellent tips:
1. If you have recently moved into a new home, a wise thing to do is change all of the locks around the home. You really have no way on knowing who might still be holding onto a key, so it is best to start new. Make sure that all windows are fitted with double bolt locks and the external doors have five-lever mortise locks. The more secure your home is, the less likely you will need to file a claim, which amounts to greater savings on your building insurance.
2. Another excellent security measure is installing a reliable home security system. You can save quite a bit by using a home alarm system that is endorsed by your insurance company. Just ask them if they have a certain alarm system they would prefer you to use to gain the greatest savings on your insurance.
3. Be sure to never leave your keys in obvious places, like under a doormat. Also, make sure that your keys are not left hanging somewhere in your home where they can be obtained through a mail slot.
4. When you go away for a few days, make certain that you stop the mail and milk from being delivered. If you have a trusted neighbour, ask if they can come over each day that you are away and open and close your curtains to make it appear as if you are home.
5. Check to see if your neighbourhood participates in a neighbourhood watch program. By letting your insurance company know that you are a member, you can get nice discounts on your insurance. Five percent can be saved off your premiums each month by just being an observant neighbour.
6. A great security measure to take is to look into installing lighting for security purposes. This can make any would be thieves much more reluctant to step near your home. In addition, it makes your visitors safer as well, since they will be able to see where they are walking better.
7. Think about growing your voluntary excess. This is how much you will need to pay when filing a claim. The higher you can go with your excess, the less you will need to pay each month for your premium. Be sure that you can come up with the money needed if you ever have to file a claim, however.
The need for the proper building insurance is of the utmost importance, as is the desire to save as much money as possible. When you can implement a few measures around your home, you can get the good price you have been looking for on home insurance.
by: Tom Jones
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