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Published: Wednesday, 18 April 2012   Category: Credit Cards

What to Look for in Contents Insurance There is a real art to choosing the right home contents insurance for your home, find out how to protect your belongings with the right insurance. What does it include? When you are comparing different contents insurance quotes you should bear in mind what each policy includes. While one insurer may offer something far cheaper you may find they do not include everything you would require of contents insurance. Research - Be thorough with your research and make a list of everything you want your contents insurance to cover. Sometimes insurers offer only basic cover for the loss or damage of items lost through a burglary, while others cover them when they deteriorate and brake too. Excess Another trick many home contents insurers try to do is lure customers in with is by offering cheap premiums, but they recoup this by making the excess extremely high. This will mean if you should need to claim you will have to pay a considerable amount before receiving a payment which could put you off from claiming on smaller objects you need to replace. However, some people tend to put off claiming on smaller, less expensive objects in one-off cases to protect their no-claims policy. Sometimes insurers offer discounts on their home contents premiums if you go a certain period without making a claim. So a small claim may be worth simply paying out in full and not claiming for in order to save money on your monthly insurance premiums. Discounts and Security Measures You would be surprised by how many discounts are available from the majority of home contents insurers, and these can significantly reduce your monthly premiums. • Security Alarm By simply installing a security alarm your insurance premiums could be significantly reduced. Insurers look at these as a good tool in preventing and warning off potential burglars. • Smoke Detector The same goes for smoke detectors. Everyone should have a fire alarm fitted in their home if not to prevent the destruction of their belongings but to save their own lives too. • New Locks If your windows and doors are old and rusty then you may find better locks could reduce the cost of your home insurance. The safer and more secure your property is in deterring thieves, the better an insurance company will look at you as customers who are less likely to make a claim. • Neighbourhood Watch Joining your neighbourhood watch could also surprisingly reduce your home insurance costs. It will also give you piece of mind when you go on holiday that your neighbours will keep a look out for anything untoward, and report people they are unsure about.

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