Keeping The Cost Of Home Insurance Down
There are thousands of people who own really nice homes
, and they go to great lengths in order to maintain their properties. Repairs are carried out almost immediately whenever needed. The properties get a fresh coat of paint the minute the existing paint job starts looking a little under the weather.In fact, it seems they are forever spending money on their homes, and of course this all adds to the amount of money they originally spent when they first purchased those properties. What strikes as being ironic is that many of them couldn't care less about insuring their homes.
Typically when questioned the answer is always the same, in that while they really do want insurance, they feel they simply cannot afford it. In reality however, this couldn't be any further from the truth, in that home insurance has never been more affordable. Of course, if you really want to get the lowest possible rates, you'll need to meet certain criteria as laid down by the various insurance companies. While there are undoubtedly differences between what the various providers take into consideration when calculating rates, most requirements are much the same irrespective of which company you use.
Burglar Proofing Your Home:
According to the British Crime Survey, the number of homes broken into has risen by 4% over the last year. Many are blaming the recent recession, but that means nothing to insurance companies. A burglary is a burglary, and they cost insurance companies millions of pounds each year. After all, a home is broken into every 37 seconds somewhere in the country.
There are more than a million burglaries in the UK each year. Statistics also show that many people have there homes broken into several times in a year. In fact, 7% of victims experience more than three incidents in the space of a year, so it's easy to see why insurance companies want home-owners to take certain preventative measures.
For example, you need to make sure there are burglar bars on all windows, and of course you should also have an alarms system fitted. In fact, considering just how cheap it is, CCTV should also be installed. By taking these few basic precautions, you'll almost certainly be able to have your rates reduced.
Neighbourhood Watch Programs:
Most insurance providers will offer additional discounts if there's a neighbourhood watch program in your area. If there isn't currently such a program, you may want to consider discussing it with some of the other residents. After all, it's their own best interests as well, even if they've never been broken into. Remember, the more break-ins there are in the area, the more everyone in that area is going to pay for insurance.
Safeguarding Your Home against Fire:
Many homes are severely damaged by fire each year, and in many cases the damage needn't have been as severe as what it was had the owners had smoke detectors and fire alarms in place. Claims relating to fire damage usually amount to thousands and thousands of pounds, so the safer you make your home, the less you'll end up paying for home insurance.
Providing you're willing to shop around for quotes, and providing you're willing to make a few adjustments if necessary, affordable home insurance is well within reach of every home-owner.
by: Tom Jones Home Insurance: saving your dream you live in Home Insurance: Protects Our Shelter Home Insurance Policy can do a lot for you in a crunch situation? Get minuet details about home insurance quotes Home Insurance Quotes – For A Secure Tomorrow. Pay today Home Insurance! Its time to protect your Beloved Home Home Insurance Comparison For Getting Better Deals Home and Contents Insurance in BC How to Get Home Insurance in Austin? What to Look for in Homeowners Insurance in Austin? Ways To Get The Best Homeowner Insurance Quotes Get Peace Of Mind Through Florida Homeowners Insurance Massage Insurance Is Crucial, Even At Home