Comparing home insurance

Nov 11, 2011 by blackbook

Picture courtesy of brianfuller6385

Just like the famous sayin my home is my castle, which is why I always make sure its protected and covered with home insurance. Home insurance is important, my policy is due for renewal in a month or so and I thought I will have a look online to compare home insurance prices to see if I can save myself some money. Just like I have mentioned with energy comparison sites there are some things you should be aware of before signing on for a new policy. Honesty is the best policy This is my main point to make, you should always be honest with your insurer not matter whether it’s for your home, your car or even holiday insurance, any discrepancies can invalidate your claim which could prove to very expensive. Where you live Insurance premiums take many things into consideration and one of those things is your postcode, so the area you live in may have an effect on the premium you pay. For example: If you live in an area of high crime you can see increased premiums. If you live in an area prone to flooding this can add expense as can living in an area of subsidence. Now obviously there isn’t much you can do to change this however if you move it is something that you can take into consideration. Making sure everything’s is covered If you find a really good price on an online comparison such as Policy Expert you need to make sure you’re fully covered with this new policy, sometimes good deals can be too good to be true. Always make sure you thoroughly check the policy wording and if you have some concerns speak to the insurer within the cancelation time. I will no doubt share my findings when I change my policy as I am hoping to save some money after all, my insurance premiums for car etc. keep going up so no doubt my home insurance will also follow suit.