Making Your Home Safer to Get the Best Home Insurance Offers

1. HOME INSURANCE

2. Making Your Home Safer to Get the Best Home Insurance Offers Losing your home or having it severely damaged by flood, fire or any other disaster is tragic enough, but imagine having to foot the entire cost of rebuilding yourself. For most of us, our homes are the most valuable possessions that we will ever have, so home insurance is absolutely essential. If you have a mortgage on your home, the lender will require that you have buildings insurance at the very least, since they will also want to protect their investment. Only tenants, and in some cases, leaseholders don't need to worry about buildings insurance, although they will likely still want to take out a contents insurance policy to cover their possessions.

3. When searching for the best home insurance offers, you will need to familiarize yourself with the various factors which govern the cost of the premiums. For a start, if your home is safer and properly secured, insurance companies will see your case as less risky and be much more likely to give you a better deal. In fact, insurance companies tend to have strict rules regarding things like home security and fire alarms. The following takes a look at how you can make your home safer and more secure, and ultimately, more insurable.

4. How to Make Your Home Saferyour insurer will require that your home meets certain safety standards. This applies to both contents and buildings insurance. If your home does not meet the standards required by the insurance company, they may refuse to pay out when you make a claim. For example, you will usually have to install a smoke alarm on every floor in your home. To ensure that they continue to meet the safety standards of the United Kingdom, they will also need to be professionally checked and tested on a yearly basis. If they fail to work in the event of a house fire due to not being maintained, you may have a problem getting money from your insurance company.

5. How to Secure Your HomeJust as your home will need to meet the safety standards required by your home insurance company, it will also need to meet various security standards. When taking out a contents insurance policy, you will often be required to install a burglar alarm, although this may also depend on where you live. Some companies are stricter than others and may even require you to install locks on the windows. Additionally, not many policies will cover you for walk-in thefts due to forgetting to lock the door. For this reason, it might be a good idea to get a door which locks automatically when you close it. You will usually be at a higher risk of walk-in thefts when living in shared accommodation, and for this reason, you will usually need to take out a special policy.

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