Reducing the Premium for Home Contents Insurance in the UK

If you've been put off by expensive quotes for your home contents insurance from UK policy providers then don't give up yet. There's a few things you could do to reduce the hefty premiums you've been quoted, which is especially important as we all want to save money in the recession anyway.

If you're wondering why you would need home contents insurance in the UK at all then the best answer we can give you is "it's better to be safe than sorry". Home contents insurance doesn't just cover burglaries, they can also cover lost or stolen personal belongings on the street and damage from disasters. It's a sure way to cover the cost of the most expensive items in your home, so you don't have to worry about replacing them all in the event of a disaster.


Security in Your Home

The first way to help reduce premiums in your home is to make sure everything is secure. This includes correct locks on all doors and windows, alarms, security lighting and padlocks on gates or sheds. An estimated 29% of robberies are unforced entries, so taking this extra security precaution will show the home contents insurance UK provider that you have taken the steps necessary to reduce an attack on your home.


Excess Payable

If you want to reduce premiums even more you could consider increasing the excess payable, which should reduce your payments. However, you should only make this decision if you're sure your contents are pretty safe and you won't need to claim often.



Finally, to find the best deal for your home, compare providers and shop around. A large majority of homeowners lose out on their insurance deals simply because they didn't look around the whole market, so make sure you're not part of this majority.

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