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Summary

Every year, Home & Contents insurance premiums go up. This article discusses why this happens and what you can do to offset the increase.

How to pay less on Home and Contents Insurance. Part 2

Author: Anna Richardson

BInsurance companies use statistics relating to a postcode area to calculate premiums for everyone in that area. If your neighbours have suffered subsidence, or your area is near a river which has been known to flood - you { life insurance } will have to pay higher premiums. Similarly, if people in your area have been broken into, then it will be assumed that you are at a higher risk of making a burglary claim too.

Having a no-claims discount is a help when it comes to offsetting the annual rise in premiums, but insurance companies cap these discounts once you have 5 years no claims, so you will not get any further discounts.

So is there any way to avoid the rising cost of home and contents insurance?

The first thing you can do is look around for the best deal. Try the Internet for the best deals, because most insurance companies offer a discount, often 10%, for customers that buy online. ( Bad credit loans ) You will also save if you pay by direct debit. It's tempting to accept your current insurer's renewal quote but don't be fooled - the small amount of effort it will take to shop around will pay good dividends. One of the reasons for this is because insurers always offer their best deals to new customers, existing customers are virtually penalised for showing loyalty!

Improving your home security is Cheap Secured Loans another good way to reduce premiums - while giving you essential peace of mind. Neighbourhood watch schemes, external security lighting, a burglar alarm, security locks on windows, and industry-recognised locks on external doors will make a difference. Obviously these things cost money to install, but they pay for themselves in the long run.

Play the insurance company game and you will always win - shop around, be prepared to move insurance company every year, and don't accept any high prices. There's always a better deal out there!