advertise your website Login Registration
Submission Guidelines Recent Approved Articles Featured Articles
Submit Free Article
Home About Us Advertising GuideLines Do's & Don't T & C FAQ Contact us
  Home Insurance Articles
HostJinni Promotions
Articles Category
Arts & Entertainment
Computers & Technology
Food & Drink
Health & Fitness
Home & Family
Home Based Business
Home Improvement
Just for Women
Kids & Teens
News & Society
Online Business
Online Tickets
Real Estate
Reference and Education
Self Improvement
Sports & Recreation
Travel & Tourism
  Member Area
Author Login
Free Registration
Authors From Country
  Helpful Topics
How to Write Articles
Free Early Approval Tips
Why Article Submission
  Best of Webzine
Leader Board
Most Viewed Articles
Top Rated Articles
  WebZine Status
Total Articles -22603
Registered Authors - 3968
Featured Articles - 340
Articles added this
month - 389

Cheaper Housing Insurance


More often than not the most valuable item that people own (or part own) is their house. That is why it is so important to make sure that you have a comprehensive home insurance policy that will give you financial cover should something unexpected or untoward happen. In the current economic climate insurance policies can seem like quite an expense, but there are always things that you can do to reduce your costs.

The major thing to bear in mind is that insurance is based on risk.

The insurance company works out the likelihood of them having to pay out, and this is calculated on the risk to which your house is exposed. Anything that you can think of that may reduce this risk might save on your insurance premium and if you’re not sure ask your provider. Something as simple as having a dog, or having someone working from home can save you money. One of the major threats to your property is through theft.

Therefore if you make your house more secure then you will save money on your insurance premiums. Insurance companies generally have a standard security level that they expect locks to meet, and a list of tradesmen whom they consider qualified to do any work. Something as simple as changing your locks can save you money. One of the first things that you can do is to make sure that your house is protected as far as possible from the damage caused by weather.

Make sure that your drainage is as good as possible (though, to be fair, in the face of several million litres of water even the best drainage system will struggle) and if you can make sure that your downstairs floors are made out of a hard surface that won’t damage in the way that a carpet would. Connected to this you can install an intruder alarm. Whilst changes to the fabric of your property and things that you cannot take with you should you move house, these sorts of installations pay for themselves over the course of several years. An approved alarm system can reduce you premium by between 5 and 15%. Similarly you can make sure that you have a good smoke alarm fitted.

Fire is a real danger and a single fire can lead to mammoth insurance claims. For that reason proper detectors will save you money, however, make sure they are in place and operating correctly, otherwise should you suffer damage due to fire the insurance company may be unwilling to pay out. When it comes to home insurance there is something of a postcode lottery, if you live in certain parts of the country you will have to pay more and there isn’t a lot you can do about it.
The most expensive places to live are those that are at risk of extreme weather such as flooding or very high winds. If you live in such a region there are things that you can do to save you money, though you will never be able to get your policy down to the sort of level that you might find in other parts of the country. If you are in a flood area, for example, you should replace downstairs timber and carpeted floods with concrete and tiles as this will prevent water from coming under the floorboards, or from damaging the wood. Similarlay you can replace kitchen units with plastic equivalents and electrical points can be moved to well above the likely flood level.

If you experience high winds, something as simple as making sure that your roof is well maintained and your gutters are clear can save you a lot of money. Any changes that you do make, however, should be done following consultation with your insurance company.

There is no point making sweeping changes to your property if you then later find that you haven’t actually saved any money on your home insurance. If you are considering getting a new home insurance policy, try Co-Operative Insurance for good value policies.

Like this article..? Rate it here:  Votes | Average: 1 out of 5  Votes | Average: 2 out of 5  Votes | Average: 3 out of 5  Votes | Average: 4 out of 5  Votes | Average: 5 out of 5     2 votes, average: 3 out of 5    
About Author
Articles Stats
  Published Date - June 15 2009
  Total Views - 607
  Total Votes - 2
  Average Rating - 2
  Comments - 0
  Mr. Chris Kouton
Make sure you have the right home insurance policy with The Co-Operative Insurance.
Particular Article
Author Article
  • Advice on Home Inspectors Insurance That Covers Errors and Omissions
  • [2010-11-08 ]
    Many states require Error & Omission Insurance before a home inspector can obtain their license allowing them to perform inspections in their state. Home inspectors may need two types of insurance; general or premises liability and errors and omissions insurance. They need protection from potential lawsuits. Errors & omission insurance designed specifically for home inspectors focuses on the particular areas where inspectors need insurance Read More...
  • Common Misconceptions about Health Insurance Georgia Policies
  • [2010-07-21 ]
    If you have a pre-existing medical condition, sometimes an insurance provider will insist on a waiting period until you can receive benefits for treatment of that condition, but you will still be able to get approval and receive benefits on other medical care. Read More...
  • Health Insurance Georgia - Helping Your Way Out!
  • [2010-05-18 ]
    The article talks about the Health Insurance Georgia programs and discusses the advantages over the other health insurance programs. Read More...
  • Aetna Health Insurance – One of the Best Names in the Field Of Insurance
  • [2010-05-10 ]
    The article talks about how efficient services Aetna health insurance providers are offering to the Americans. Read More...
  • Insurance Industry in India
  • [2009-07-10 ]
    Insurance industry in India started in 1818 when the first insurance company was formed. Insurance Industry is regulated by the Insurance Regulatory and Development Authority (IRDA). Read More...
  • Ski insured
  • [2009-07-07 ]
    If you are thinking of heading off for an activity holiday on the slopes, thinking about insurance is a necessity. Read More...
  • Smooth sailing
  • [2009-07-02 ]
    Are you packed and ready to go? Do you have everything you’ll need to cover any event during the next few months backpacking around the world? Here are a few things you’d be foolish to forget. Read More...
  • Ski insurance policies
  • [2009-06-29 ]
    If you plan to take to the mountains for a skiing holiday soon, you’ll need an insurance policy which covers you sufficiently to give you piece of mind that you’ll be protected if anything goes wrong. Read More...
  • Storm and Flood Damage Your Home Insurance
  • [2009-06-24 ]
    Almost all home insurance policies provide cover against the costs of storm and flood damage. Read More...
  • Home Insurance for Tenants
  • [2009-06-24 ]
    Your landlord will probably have buildings insurance to cover the actual building that you rent. Read More...
  • Types of Home Insurance Cover to Consider
  • [2009-06-22 ]
    There are two main types of home insurance, buildings and contents insurance. Buildings insurance is for protection against financial losses if the actual structure or permanent fixtures Read More...
  • Home Insurance Tips
  • [2009-06-20 ]
    To get a mortgage you will normally at least need buildings insurance to protect you from financial losses if the house itself is destroyed or damaged, but you would need full home insurance including Read More...
  • How to get Cheaper Home Insurance
  • [2009-06-20 ]
    If you want to reduce the cost of your home insurance, you will as a minimum still need buildings insurance to cover the cost of repairing or rebuilding your home. Read More...
  • Student Housing Insurance
  • [2009-06-18 ]
    As spring turns into summer the time of year draws near when the next generation of university students starts considering where they’re going to spend (at least) the next three years. Read More...
  • Cheaper Housing Insurance
  • [2009-06-15 ]
    More often than not the most valuable item that people own (or part own) is their house. Read More...
      Submit Articles - Free Articles - Online Articles Submission  
      WebZine Articles ( is a registered trademark. All Rights Reserved. 2012