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How to minimize risks to your property for a home insurance premiums
One of the best ways to reduce your home insurance premiums is to reduce risks to their property and its contents. All insurance is based upon risk so if you can find ways to reduce the risk to your home insurance company, premiums must follow.
Some steps you can take to protect your home may surprise you, but taking measures such as placing storm shutters or repair of roof shingles, can often result in a fall in the premium for your home insurance. Here are some suggestions of ways to protect your home, representing Information provided by the Association of British Insurers.
Reducing the risk of subsidence
One of the main reasons homeowners insurance claims is subsidence. There are many things that contribute to subsidence, and a number of things you can do to reduce risk.
– Pay you care to plant trees. Trees planted too close to the house can send roots into drains, under the walls and under the sidewalks.
– Prune trees regularly to prevent damage to the cantilever / branches and prevent weed root system with lots of vegetation.
– Clean dirt and leaves from gutters, and carry out regular checks for leaking drains.
– Be aware of the effects of changes you can make. For example, the addition of a front yard parking can reduce the water available for your trees and shrubs and cause flooding in the basement.
Reduction fire risk
Fire is the second leading cause of damage to your home and injuries to himself and his family. These measures will greatly reduce the risk of fire, and reduce the amount of damage that emerges from it, if it does happen.
– Make sure there is at least one smoke detector on each floor. Consult a professional for the position for best effect, and check the batteries regularly.
– Always use a qualified electrician for electrical repairs, additions and alterations.
– Periodically check the electrical wiring and control cables and flexes to any wires exposed.
– Cooking fires are the most common of all. Do not leave open flames unattended.
– Know the rules of fire safety. For example, trying to extinguish a grease fire with water, spread in place. Extinguish grease fires.
– Keep a fire extinguisher handy, especially in the kitchen.
– Store flammable liquids in a safe place, preferably away from home.
– Recycle your garbage or recycle bin. The more you have around, the more fuel to the fire has to burn.
– Consider new fire hazards and shielding. There are many fire hazards associated with holiday decorations, Christmas lights and summer barbecues.
Reduce floods that may cause damage
You can reduce flood damage and make it easier management of your claim by taking a few steps.
– Keep your personal belongings, such as insurance and bank details in a waterproof bag so you'll have on hand when needed.
– If possible, move to the property the upper floors to avoid damage.
– Switch off gas, electricity and water mains to prevent explosions and fire.
– Contact your insurer immediately for advice on what to do next.
Your insurer may offer more advice with specific steps you can take to reduce their buildings and / or contents insurance premiums.
About the Author
You can find further tips and information on protecting your home and it’s contents from flooding and other risks from the ABI at http://www.abi.org.uk. For more tips on buying home Insurance Online visit
UK Insurance Index
at http://www.uk-insurance-index.co.uk/home-insurance-companies-1.html.
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