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

What Can You Do To Lower Your House Insurance


Household insurance is a necessity: you can’t even buy a house without it in most places! What kind and how much house insurance you buy has a big impact on your wallet, both now and in the event you need to make a claim. What can you do to save yourself money? Get informed!

The two kinds of house insurance

You will need to purchase two insurance policies, one for your house, and a separate policy to covers its contents. These are generally two separate policies. The policy that covers your house may also cover any other outbuildings on your property. The policy that covers your household possessions will not generally cover possessions that are not permanently kept in your house, such as jewelry and laptops. You may need to purchase a third policy to cover your ‘mobile’ possessions.

Insuring your home and outbuildings

The steps you take to reduce your expenses for home insurance are different from those to insure your household contents. Many banks that give out home loans also specify which insurance company you must use. This can be a good thing, if they want you to use some insurance company because it is reliable and reputable. Or it can be a bad thing. There is always the possibility that they just have a deal with the insurance company, which doesn’t spell out savings for you in any way. To protect yourself, shop around for both lenders and insurance companies. That way you’ll have a good idea of how much coverage should cost.

Once you settle on a good insurance company, you may want to consider using them for all of your insurance needs. Chances are you can get better rates if you use them for multiple types of coverage. They will want to get your business, and it will save you some bookkeeping if you keep all you policies under one roof.

The amount of insurance you purchase to protect your new home is determined by its value at the time of purchase. As time goes by, your house will probably increase in value. Make sure your coverage increases too. It is false economy to under-insure your home, especially while you are still paying off the loan!

One good way to save money on your policy by setting the excess you pay under the policy to the highest you can afford. The excess is the amount you pay if you have to make a claim. The insurance company pays for claims above the excess up to the maximum coverage. So the higher the excess you decide you can afford in the event of a claim, the lower your premiums are going to be.

Insuring your household possessions

There are a couple of things you can do to save money on your household contents insurance. First off, don’t over-insure. This is a common mistake people make. You can’t claim for items you don’t have, so you will just throw money down the drain every month. Take stock of your possessions and insure accordingly. Some companies require security devices before they will even insure you. Others will decrease your premium if you install additional security devices. It’s a good idea to have a look at the cost breakdown of purchasing and installing these devices. You insurance company can give you an idea of how much you can save on your policy.

Once you have a look at your policy, you may find even more ways to save, by cutting down on some types of coverage that are not necessary, and increasing your excess. Saving on insurance is a matter staying informed, and keeping your coverage up to date and appropriate to your lifestyle.

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: 1.5 out of 5    
About Author
Articles Stats
  Published Date - November 17 2008
  Total Views - 613
  Total Votes - 2
  Average Rating - 1
  Comments - 0
  Mr. Chris Cdutoit
The author specializes in household content insurance in South Africa. If you need to read more on SA insurance, visit
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