Ensure peace of mind at home

For the second year running, a survey of Britain’s most burgled areas has revealed that households in Nottingham are at an 88% greater risk of burglary than the national average. In Leeds and Hull, residents are 63% and 55% respectively more likely to make a claim on their home insurance due to burglary. By contrast, the safest place in Britain is Guildford, where households are 64% less likely than average to make a claim.

Although Graham Allen, MP for Nottingham North, was quick to defend his constituency and dismiss the survey results, Endsleigh Insurance’s survey still raises questions among householders at higher risk of burglary. For example, if you live in a high-risk area, how can you improve the level of security in your home? And how can you avoid high home insurance premiums purely because of the area you live in? The following Beat That Quote top tips guide is designed to give you both security for your home and your wallet.

Top five tips to lower your home contents insurance premium:

  1. Shop around to lower premiums.

    Comparing home insurance policies and products is essential if you want to get the best deal. Insurers focus their marketing money on offering great deals to new customers, while largely relying on inertia to retain existing policyholders. Even if your renewal isn’t coming for several months, it’s still worth looking around and making sure you’re getting the best deal. BeatthatQuote.com is a quick and easy way to sift through a market that can be daunting in terms of the sheer number of insurance companies and products available.

  2. Improve the security of your home.

    Having a burglar alarm, window locks and/or participation in a Neighborhood Watch can all save premiums. For example, a good burglar alarm can save 7.5% in premiums, while membership of Buurtwacht can save 5% on insurance premiums. See below for more home safety tips.

  3. Be wary of “over-insuring” your home.

    It is essential that you do not expose yourself to risk by limiting your home insurance coverage to merely lower premiums. However, you may be able to save some costs by checking whether you need coverage for all the items listed in a policy. For example, comprehensive coverage for belongings outside the home is usually a cheap way to insure a bicycle against theft, but you may already have similar coverage for belongings on another existing insurance policy, such as a camera. under travel insurance. It pays to check your existing benefits before paying out for additional, possibly unnecessary, coverage.

  4. Consider combining your home and contents insurance.

    Home insurance simply covers everything in your home that won’t be taken away when you move – for example, the structure of your home, but also permanent fixtures such as your kitchen. Contents insurance covers all your belongings that move with you. Many insurers offer joint home and contents insurance, which may work out cheaper than separate policies. Also, if you need to file a claim, you may find it easier to deal with just one company rather than two.

  5. Be careful when claiming small amounts.

    Filing a claim often means paying higher premiums in the future. Recent research suggests you should only claim amounts over £450; anything smaller and you will eventually pay it back effectively in higher costs over several years. Set your voluntary deductible to approximately €500 and you can reduce your premium by as much as 20%.

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Top five safety and security tips for your home:

  1. Make your house look like someone lives in it.

    If you’re going on vacation, use automatic timers to turn on your lights when it gets dark; cancel any delivery of milk or newspapers; use Royal Mail’s ‘Keepsafe’ service to hold your mail for up to two months while you are away; and make sure you have locked all exterior doors and windows. If you have a burglar alarm, be sure to turn it on!

  2. Install good locks and make access to your home more difficult for burglars.

    Fit mortise locks (Kitemarked BS 3621) or bolts to all exterior doors and locks to all windows below or easily accessible. Make sure all side or rear gates are locked. Don’t leave ladders or tools lying around that would allow burglars to break into your home.

  3. Have an approved alarm system installed.

    Ask your local police and insurance company for advice on the best systems.

  4. Is there a neighborhood watch program in your hometown?

    Your local police will tell you if there is a scheme in your area or help you set one up. You can also get more information about Neighborhood Watch at www.neighbourhoodwatch.net. If you’re not part of a neighborhood watch program, at least talk to your neighbors — ask them to keep an eye on your home while you’re gone by parking their car in your driveway or opening and closing the curtains. By doing the same for them in return, you have a simple but highly effective burglary prevention model.

Wherever you live, thinking ahead and keeping a close eye on available home insurance policies will save you money. By being diligent about home security, you can also improve your insurance premiums – and ensure peace of mind. It’s a win-win situation that is definitely worth a little more effort.