Fitting a burglar alarm system to your home can signifacantly reduce the cost of your home contents insurance premium
Fitting smoke detectors upstairs and downstairs will reduce your contents and your building insurance premium
Fitting Security cameras outside will reduce the risk of being burgled and consequently reduce your contents insurance premium
Fitting Security Lights at the front and rear of your home will also deter unwanted individuals stalking your home which again will help to reduce your contents insurance premium
Owning a dog will not usually directly lower your house insurance premium but will deter people from entering hence having the effect of extending your "no claims bonus"
Fitting substantial and recommended locks to all doors and windows will help reduce your annual premium
Other factors that can reduce your home insurance premium
By increasing your excess, your premium will usually automatically lower.
Insure your contents for the correct amount by noting down everything on a room to room basis as over insuring will cost you unnecessary extra money.
Think before you make a claim. if the claim is relatively small, you will lose precious no claims bonus and have to pay an excesss amount initially agreed between yourself and the home insurance company at the start of your contract.
Try to pay your premium in one go or avoid choosing a home insurance company who charges interest on monthly payments.
Believe it or not, living close to emergency services will even lower your premium in some areas.
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